34125 25 , 2005 - - , , - . , , , - . - , , , , . - , . -: , SACCO, COOPEC .. " " ,,-.- , . ­ , , , . - ,. , . - ? - (, ), . , . - , . , - . - - , , . - ? . - , . - . - . , , , , , , , , - . ., ,, . " - " - , , . , .SACCO- , SACCO. . - .,. - , - , . , . - . , BCEAOPARMEC,,,- . ­ - - , - , . - . ,- , . CGAP 1818 H Street, NW Washington, DC 20433 .: 202 473 9594 : 202 522 3744 .: cgap@worldbank.org -: www.cgap.org . - - -- 3:1 5:1 ( ), ( , ). , , - .- , , . - . , . - - . , - -: , , , . , , , .FECECAM-- - , , - , . - ? , . - , - . . , . ,- - . . , ,. , . - , , , , - . - , - . , - , , , , , - .,,- . - , . . - ­ - - . , WOCCU PEARLS (www.woccu.org/pdf/pearls.pdf) DID TOP SYSTEM, . , - , , . - - , . . - , - . - , . - , . -,, , . : (WOCCU, CGAP). : , : - (Développement international Desjardins, 2005); . , : , - , 14 (: , 1995); , PEARLS (, : , 2002); , ., : (, : , 2000); , , - (, : Pact Publications, 1999). -: www.did.qc.ca, www.woccu.org, www.cmutuel.com/cicm, www.ffhtechnical.org, www.cgap.org/savings CGAP: CGAP c/o The World Bank 66, avenue d'Iena 75116 Paris FRANCE CGAP Donor Helpdesk: helpdesk@cgapdirect.org CGAP (DIRECT) - www.cgap.org/direct , - www.mfc.org.pl