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&#x0D;&#x0D;&#x0D;Northern Togo has never been over-assisted as some of the other dry and poor areas of West Africa have been. It has never been a priority of national or international development organisations. As a consequence, the area has intermittent food security problems. Islands of Peace (Vredeseilanden), a Flemish NGO for development cooperation, however, has initiated a (successful) savings and credit scheme based on local surpluses which now allows local populations to invest and consolidate their (food security) situation. &#x0D;&#x0D;&#x0D;&#x0D;KEYWORDS : tontines, informal savings, rural credit, sustained development &#x0D;&#x0D;&#x0D;&#x0D; &#x0D;&#x0D;&#x0D;

Het spaar- en kredietprogramma van de Vredeseilanden / Rafia in Noord-Togo: Een kritische evaluatie.