The third world economy and especially the african economy is caracteried by its weakness and the poverty of its people. Most of the development programs designed by African governments have failed to significantly alleviate suffering in Africa. Financial institutions created by governments to financial rural areas did not reach the targeted population. It was therefore necessary to rethink development programs.New strategies have been introduced to address development issues in poor countries. Today, numerous Non Governmental Organizations (NGO) specialized in microfinance are taking upon the challenge of improving people's lives in low.