n African Journal of Democracy and Governance - La sous-bancarisation en République Démocratique du Congo : concept, causes, effets et remèdes

Volume 1, Issue 1
  • ISSN : 2313-6529


For many years since independence, the Democratic Republic of Congo did not have any effective banking system. A few banks were established in Kinshasa, the provincial capitals and some other important municipalities. Access to the banking system was also very limited. Public servants, workers and high-ranking officials received their remunerations in cash as few even had a bank account. Formerly minister of finance in the cabinet led by Prime Minister Adoplhe Muzito, Mr Matata Mponyo Mapong introduced a new concept when he was appointed prime minister by President Joseph Kabila and took office in 2012. The concept 'bancarisation' refers to the fact that all public servants should be paid through the banks, at least in the cities where they were established. This raises the question of the reliability of the banking system in the country and its impact on good governance and economic development. Against this background, the present article reflects on the underdevelopment of the banking system or 'sous-bancarisation', its causes, effects, and remedies.

Loading full text...

Full text loading...


Article metrics loading...


This is a required field
Please enter a valid email address
Approval was a Success
Invalid data
An Error Occurred
Approval was partially successful, following selected items could not be processed due to error