[ Mutuelles de Solidarité: Une microfinance africaine pour combattre la pauvreté et l’exclusion financière en Ituri (RDC) ]
Volume 40, Issue 3, September 2023, Pages 754–769
Kabongo Kabongo Dieudonné1
1 Université de Bunia (UNIBU), Faculté des Sciences Agronomiques, Département d’Economie Agricole, BP: 292, Bunia, RD Congo
Original language: French
Copyright © 2023 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.
This research questioned the capacity of Solidarity Mutual to offer microfinance products adapted to the specificities of beneficiaries, and to contribute to improving the living conditions of beneficiaries, by putting into practice their social mission, which is especially an agro-pastoral area. To achieve this goal, a quantitative approach was used, with a questionnaire to quantify the results. Our universe of analysis or sampling frame consists of the beneficiaries of the microfinance services of de Solidarity Mutual. The size of our study population is 213 Solidarity Mutual for 3013 members. We used probabilistic sampling, using a frame made up of finite lists of the population, our sample is random simple, and its size is 700 members surveyed MUSO sites Bunia, Irumu, Aru and Djugu. After analyzing the data collected, it emerges from the results obtained that the MUSOs do indeed offer microfinance products adapted to the socio-professional specificities of the poor populations in the three of the five territories of Ituri, and effectively put into practice their mission to contribute to improvement of social living conditions of members in 77% of cases.
Author Keywords: Microfinance, Solidarity Mutual, Poverty, Financial inclusion, strategy, Ituri.
Volume 40, Issue 3, September 2023, Pages 754–769
Kabongo Kabongo Dieudonné1
1 Université de Bunia (UNIBU), Faculté des Sciences Agronomiques, Département d’Economie Agricole, BP: 292, Bunia, RD Congo
Original language: French
Copyright © 2023 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
This research questioned the capacity of Solidarity Mutual to offer microfinance products adapted to the specificities of beneficiaries, and to contribute to improving the living conditions of beneficiaries, by putting into practice their social mission, which is especially an agro-pastoral area. To achieve this goal, a quantitative approach was used, with a questionnaire to quantify the results. Our universe of analysis or sampling frame consists of the beneficiaries of the microfinance services of de Solidarity Mutual. The size of our study population is 213 Solidarity Mutual for 3013 members. We used probabilistic sampling, using a frame made up of finite lists of the population, our sample is random simple, and its size is 700 members surveyed MUSO sites Bunia, Irumu, Aru and Djugu. After analyzing the data collected, it emerges from the results obtained that the MUSOs do indeed offer microfinance products adapted to the socio-professional specificities of the poor populations in the three of the five territories of Ituri, and effectively put into practice their mission to contribute to improvement of social living conditions of members in 77% of cases.
Author Keywords: Microfinance, Solidarity Mutual, Poverty, Financial inclusion, strategy, Ituri.
Abstract: (french)
Cette recherche s’est interrogée sur la capacité des Mutuelles de Solidarité (MUSO) à offrir des produits microfinanciers adaptés aux spécificités des bénéficiaires, et à contribuer à l’amélioration de leurs conditions de vie, par la mise en pratique de leur mission sociale, surtout que l’Ituri est une zone à vocation agropastorale. Pour atteindre cet objectif, une approche quantitative a été utilisée, appuyée par un questionnaire. Notre univers d’analyse ou base de sondage est constitué des membres bénéficiaires des services microfinanciers des Mutuelles de Solidarité dans trois de cinq territoires de l’Ituri. La taille de notre population d’études est de 213 MUSO pour 3013 membres. Nous avons fait usage de l’échantillonnage probabiliste, au moyen d’une base de sondage constituée des listes finies de la population, et notre échantillon est aléatoire simple, sa taille est de 700 membres enquêtés des MUSO des sites de la ville de Bunia, d’Irumu, d’Aru et de Djugu. Après analyse des données, il est ressorti des résultats obtenus que les MUSO offrent bel et bien des produits microfinanciers adaptés aux spécificités socioprofessionnelles des populations pauvres dans les trois de cinq territoires de l’Ituri, et mettent en pratique, de façon efficace, leur mission sociale pour contribuer à l’amélioration des conditions sociales de vie des membres dans 77% des cas.
Author Keywords: Microfinance, Mutuelles de Solidarité, pauvreté, inclusion financière, stratégie, Ituri.
How to Cite this Article
Kabongo Kabongo Dieudonné, “Mutuelles de Solidarité: African microfinance to combat poverty and financial exclusion in Ituri (DRC),” International Journal of Innovation and Applied Studies, vol. 40, no. 3, pp. 754–769, September 2023.
