Volume 24, Issue 3, October 2018, Pages 1062–1070
K.D. Kabongo1, K.L. Muanasaka2, and B. Sengi3
1 Université de Bunia, RD Congo
2 Institut Facultaire des Sciences Agronomiques de Yangambi, RD Congo
3 Université de Kisangani, RD Congo
Original language: French
Copyright © 2018 ISSR Journals. This is an open access article distributed under the Creative Commons Attribution License, which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.
The Mutual insurance companies of Solidarity contribute enormously to the financial inclusion of the low-income people, and constitute an answer to the problem of financing of the agricultural activities in rural areas in RD Congo, more exactly in the territory of Mahagi. However, although the agriculture shows financial needs which the informal microfinance is incapable to satisfy, in particular the investments in heavy agricultural equipments which require consequent loans, the Mutual insurance companies of solidarity are an answer adapted in the context of absence of financing in favour of the countrymen and the urban poor people, especially that the institutions of microfinance are in their majority installed in urban areas, and do not take care of farmers, because of the risk which present the actors in this sector. The actors of the informal microfinance (MUSO) develop tools, approaches and innovative networks, which return this socially responsible microfinance.
Author Keywords: Solidarity mutual insurance company, microfinance, agricultural financing, rural area.
K.D. Kabongo1, K.L. Muanasaka2, and B. Sengi3
1 Université de Bunia, RD Congo
2 Institut Facultaire des Sciences Agronomiques de Yangambi, RD Congo
3 Université de Kisangani, RD Congo
Original language: French
Copyright © 2018 ISSR Journals. This is an open access article distributed under the Creative Commons Attribution License, which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.
Abstract
The Mutual insurance companies of Solidarity contribute enormously to the financial inclusion of the low-income people, and constitute an answer to the problem of financing of the agricultural activities in rural areas in RD Congo, more exactly in the territory of Mahagi. However, although the agriculture shows financial needs which the informal microfinance is incapable to satisfy, in particular the investments in heavy agricultural equipments which require consequent loans, the Mutual insurance companies of solidarity are an answer adapted in the context of absence of financing in favour of the countrymen and the urban poor people, especially that the institutions of microfinance are in their majority installed in urban areas, and do not take care of farmers, because of the risk which present the actors in this sector. The actors of the informal microfinance (MUSO) develop tools, approaches and innovative networks, which return this socially responsible microfinance.
Author Keywords: Solidarity mutual insurance company, microfinance, agricultural financing, rural area.
Abstract: (french)
Les Mutuelles de Solidarité contribuent énormément à l’inclusion financière des personnes à faibles revenus, et constituent une réponse au problème de financement des activités agricoles en milieux ruraux en RD Congo, plus précisément dans le territoire de Mahagi. Cependant, bien que l’agriculture manifeste des besoins financiers que la microfinance informelle est incapable de satisfaire, notamment les investissements dans des équipements agricoles lourds qui nécessitent des prêts conséquents, les Mutuelles de solidarité sont une réponse adaptée dans le contexte d’absence de financement en faveur des ruraux et des pauvres urbains, surtout que les institutions de microfinance sont dans leur majorité installées dans les milieux urbains, et ne s’occupent pas des agriculteurs, à cause du risque que présentent les acteurs dans ce secteur. Les acteurs de la microfinance informelle (MUSO) développent des outils, des approches et des réseaux innovants, qui rendent cette microfinance socialement responsable.
Author Keywords: Mutuelle de Solidarité, microfinance, financement agricole, milieu rural.
How to Cite this Article
K.D. Kabongo, K.L. Muanasaka, and B. Sengi, “Mutuelle de Solidarité: Solution au problème de financement des activités agricoles en milieux ruraux dans la province de l’Ituri/RDC (Cas du territoire de Mahagi),” International Journal of Innovation and Applied Studies, vol. 24, no. 3, pp. 1062–1070, October 2018.
