Study of the Profitability of Savings and Credits of Village Savings and Credit Associations (AVEC) on the Empowerment of its members in the Kalungwe Group in the Chiefdom of Bavira, Province of South Kivu

This study was based on what we would call participant observation. We aimed to understand the functioning of several village credit and savings groups and the ways in which these groups empower their members. A series of methods and techniques were used in this study, including the inductive method, the structural-functionalist method, open interviews, documentation, and questionnaire interviews. Based on the results obtained, the research hypotheses were confirmed, including: Positive profitability motivates savings and capital loans; and Savings and credit have both advantages and disadvantages in empowering its members; An empowered member can never exceed savings and loans; AVEC is a system capable of addressing the shortcomings of banks and MFIs in rural areas.