This 61 page document reports the results of the Associations Villageoises d'Epargne et de Credit (AVEC) project. The project aimed to directly reach 1,000 vulnerable women (on a base of 20 members per VSLA, 50 in total), and 1000 men (fathers, brothers or husbands of women members of VSLAs), and indirectly 5000 people with 5 people dependent per member directly affected.