[ Promotion communautaire des Associations Villageoises d’Epargnes et de Crédits: Expériences initiées par l’ONG PPSSP pour le renforcement du pouvoir socioéconomique des membres en Province du Nord Kivu, République Démocratique du Congo ]
Volume 43, Issue 4, October 2024, Pages 985–997
Amuda Baba Dieu-Merci1, Gabriel Moliso2, Mosika Sembu Dieu-Merci3, and Sikuli Bindule Micheline4
1 Professeur Associé, Institut Supérieur des Techniques Médicales de Bunia (ISTM, Bunia), RD Congo
2 Chercheur indépendant, Programme de Promotion de Soins de Santé Primaires (PPSSP), RD Congo
3 Chercheur indépendant, Programme de Promotion de Soins de Santé Primaires (PPSSP), RD Congo
4 Chercheuse indépendante, Programme de Promotion de Soins de Santé Primaires (PPSSP), RD Congo
Original language: French
Copyright © 2024 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 study was conducted to explore the experiences of Village Savings and Credit Associations (VSCAs) initiated by the PPSSP in strengthening the socio-economic power of their members. To achieve this objective, a mixed research methodology was implemented. Simple random sampling was used to select research subjects. Quantitatively, 198 people responded to our questions, and qualitatively, we were limited by saturation. After analysis, the study revealed the following: - The credits obtained by AVEC have enabled members to increase their income. These incomes are increased by the benefits derived from the creation of individual and/or group IGAs. - AVEC facilitates the economic and social empowerment of its members and improves their living conditions in their households and communities. - The analysis of the socio-economic empowerment of members of AVEC initiated by the PPSSP is based on: (i) the motivation to join, despite the socio-demographic characteristics of the members, (ii) the purchase of more than one share by members (95.96%), (iii) access to credit by members (68.18%), (iv) the reason for the loan oriented towards the creation of individual (82.32%) or group (30.30%) IGAs, (v) the income from IGAs earned individually or in groups, (vi) the members’ perception of the AVEC and the positive social representation of the communities with regard to AVEC activities. - The results also showed that the loans obtained facilitated the creation of other new income-generating activities in the communities, and strengthened social cohesion between AVEC members and their families. In the light of these results, we can conclude that it is essential to promote these initiatives in rural communities in order to strengthen the socio-economic power of the population.
Author Keywords: experiences, members, village associations, savings, credits, socio-economic power.
Volume 43, Issue 4, October 2024, Pages 985–997
Amuda Baba Dieu-Merci1, Gabriel Moliso2, Mosika Sembu Dieu-Merci3, and Sikuli Bindule Micheline4
1 Professeur Associé, Institut Supérieur des Techniques Médicales de Bunia (ISTM, Bunia), RD Congo
2 Chercheur indépendant, Programme de Promotion de Soins de Santé Primaires (PPSSP), RD Congo
3 Chercheur indépendant, Programme de Promotion de Soins de Santé Primaires (PPSSP), RD Congo
4 Chercheuse indépendante, Programme de Promotion de Soins de Santé Primaires (PPSSP), RD Congo
Original language: French
Copyright © 2024 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 study was conducted to explore the experiences of Village Savings and Credit Associations (VSCAs) initiated by the PPSSP in strengthening the socio-economic power of their members. To achieve this objective, a mixed research methodology was implemented. Simple random sampling was used to select research subjects. Quantitatively, 198 people responded to our questions, and qualitatively, we were limited by saturation. After analysis, the study revealed the following: - The credits obtained by AVEC have enabled members to increase their income. These incomes are increased by the benefits derived from the creation of individual and/or group IGAs. - AVEC facilitates the economic and social empowerment of its members and improves their living conditions in their households and communities. - The analysis of the socio-economic empowerment of members of AVEC initiated by the PPSSP is based on: (i) the motivation to join, despite the socio-demographic characteristics of the members, (ii) the purchase of more than one share by members (95.96%), (iii) access to credit by members (68.18%), (iv) the reason for the loan oriented towards the creation of individual (82.32%) or group (30.30%) IGAs, (v) the income from IGAs earned individually or in groups, (vi) the members’ perception of the AVEC and the positive social representation of the communities with regard to AVEC activities. - The results also showed that the loans obtained facilitated the creation of other new income-generating activities in the communities, and strengthened social cohesion between AVEC members and their families. In the light of these results, we can conclude that it is essential to promote these initiatives in rural communities in order to strengthen the socio-economic power of the population.
Author Keywords: experiences, members, village associations, savings, credits, socio-economic power.
Abstract: (french)
Cette étude a été conduite dans le but d’explorer les expériences des Associations Villageoises d’Epargnes et de Crédits (AVEC) initiées par le PPSSP sur le renforcement du pouvoir socioéconomique des membres. Pour atteindre cet objectif, une méthodologie de recherche mixte a été mise en place. Pour le choix des sujets de recherche, l’échantillonnage aléatoire simple a été utilisé. Sur le plan quantitatif, 198 personnes ont répondu à nos questions et sur le plan qualitatif, nous avons été limités par la saturation. Après analyse, l’étude a révélé ce qui suit: - Les crédits obtenus dans les AVEC ont permis aux membres d’augmenter leurs revenus. Ces derniers sont augmentés de bénéfices tirés de la création des AGR individuelles et/ou en groupe. - Les AVEC facilitent le renforcement du pouvoir économique et social des membres et améliorent leurs cadres de vie dans leurs ménages et dans leur communauté. - L’analyse du renforcement du pouvoir socioéconomique des membres des AVEC initiées par le PPSSP passe par: (i) la motivation de l’adhésion en dépit des traits sociodémographiques de membres, (ii) l’achat de plus d’une part par les membres (95,96%), (iii) l’accès aux crédits par les membres (68,18%), (iv) la raison du prêt orientée vers la création des AGR individuelles (82,32%) ou en groupe (30,30%), (v) les revenus des AGR tirés individuellement ou en groupe, (vi) la perception des membres sur les AVEC et la représentation sociale positive des communautés au regard des activités AVEC. - Il est également ressorti des résultats que les prêts obtenus facilitent la création des autres nouvelles activités génératrices de revenus dans les communautés et renforcent la cohésion sociale entre les membres des AVEC et de leurs familles. Au vu de ces résultats, il y a lieu de conclure qu’il est indispensable de promouvoir ces initiatives dans les communautés rurales pour permettre un renforcement de pouvoir socio-économique de la population.
Author Keywords: Expériences, membres, association villageoises, épargne, crédits, pouvoir socioéconomique.
How to Cite this Article
Amuda Baba Dieu-Merci, Gabriel Moliso, Mosika Sembu Dieu-Merci, and Sikuli Bindule Micheline, “Community promotion of Village Savings and Credit Associations: Experiences initiated by the NGO PPSSP to strengthen the socio-economic power of members in North Kivu Province, Democratic Republic of Congo,” International Journal of Innovation and Applied Studies, vol. 43, no. 4, pp. 985–997, October 2024.
