Volume 24, Issue 3, October 2018, Pages 1106–1114
Kabongo Kabongo Dieudonné1, Kizaba A. Godefroy2, Muanasaka K. Leonard3, and Sengi B. Prosper4
1 Université de Bunia (UNIBU), Faculté des Sciences Agronomiques, Département d’Economie Agricole, BP: 292, Bunia, RD Congo
2 Université de Valenciennes, France
3 Institut Facultaire des Sciences Agronomiques de Yangambi, RD Congo
4 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 population with low income living in Bunia suburbs has various financial needs, while he cannot reach the traditional banks services. But the microfinance institutions have this category of population as recipient. This research aims to assess the formal microfinance institutions expansion in their mission to fight against financial exclusion and poverty near the populations with low income, in Bunia suburbs. A sample survey was led in Bunia periphery. The cluster method is used to constitute a sample of 200 households. The software statistics Excel and R, are used in data processing. The results analysis indicated that the expansion of formal microfinance near the population with low income is low. It means that the category of this population lost interest in microfinances services, because of lack of microfinance institutions lobbying. The institutions of microfinance, in their mission of fighting against financial exclusion and poverty constitute a myth. Based on these results, we are recommended that microfinance institutions provide financial services to low-income people in Bunia city, and that the quest for performance should not overlook the primary objective of microfinance. And that formal microfinance institutions intensify lobbying of the low-income population, so that they can get involved and improve the accessibility of basic financial services.
Author Keywords: financial expansion, financial exclusion, population with low income, microfinance, Bunia.
Kabongo Kabongo Dieudonné1, Kizaba A. Godefroy2, Muanasaka K. Leonard3, and Sengi B. Prosper4
1 Université de Bunia (UNIBU), Faculté des Sciences Agronomiques, Département d’Economie Agricole, BP: 292, Bunia, RD Congo
2 Université de Valenciennes, France
3 Institut Facultaire des Sciences Agronomiques de Yangambi, RD Congo
4 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 population with low income living in Bunia suburbs has various financial needs, while he cannot reach the traditional banks services. But the microfinance institutions have this category of population as recipient. This research aims to assess the formal microfinance institutions expansion in their mission to fight against financial exclusion and poverty near the populations with low income, in Bunia suburbs. A sample survey was led in Bunia periphery. The cluster method is used to constitute a sample of 200 households. The software statistics Excel and R, are used in data processing. The results analysis indicated that the expansion of formal microfinance near the population with low income is low. It means that the category of this population lost interest in microfinances services, because of lack of microfinance institutions lobbying. The institutions of microfinance, in their mission of fighting against financial exclusion and poverty constitute a myth. Based on these results, we are recommended that microfinance institutions provide financial services to low-income people in Bunia city, and that the quest for performance should not overlook the primary objective of microfinance. And that formal microfinance institutions intensify lobbying of the low-income population, so that they can get involved and improve the accessibility of basic financial services.
Author Keywords: financial expansion, financial exclusion, population with low income, microfinance, Bunia.
Abstract: (french)
La population à faible revenu habitant les faubourgs de la ville de Bunia a des besoins financiers divers, alors qu’elle ne peut pas accéder aux banques traditionnelles. Mais, les institutions de microfinance privilégient cette catégorie comme bénéficiaire. Cette recherche a pour objectif d’évaluer l’expansion des actions des institutions de la microfinance formelle dans la lutte contre l’exclusion financière et la pauvreté auprès des populations à faible revenu, dans les faubourgs de la ville de Bunia. Une enquête par sondage a été menée dans les quartiers de la périphérie de cette ville selon les critères arrêt. La méthode d’échantillonnage en grappe a été utilisée pour constituer un échantillon de 200 ménages et nous avons utilisé le logiciel Excel et R pour le dépouillement et le traitement des données. Après analyse des résultats, le niveau d’expansion de la microfinance formelle auprès de la population à faible revenu s’est avéré très faible. Car, les habitants de cette catégorie sont désintéressés du rôle des services de la microfinance, à cause notamment du manque de lobbying des institutions de microfinance. Les institutions de microfinance, dans leur mission de lutte contre l’exclusion financière et la pauvreté, constituent un mythe. Partant de ces résultats, nous recommandons aux institutions en charge de la microfinance de fournir des services financiers aux personnes à faible revenu dans la ville de Bunia, et que la quête de la performance, ne fasse pas oublier l`objectif premier de la microfinance. Et également, que les institutions de la microfinance formelle intensifient le lobbying auprès de la population à faible revenu, afin qu’elle s’implique et améliore les conditions d’accessibilité aux services financiers de base.
Author Keywords: expansion financière, exclusion financière, population à faible revenu, microfinance, Bunia.
How to Cite this Article
Kabongo Kabongo Dieudonné, Kizaba A. Godefroy, Muanasaka K. Leonard, and Sengi B. Prosper, “Etat d’expansion de la microfinance formelle auprès des populations à faible revenu dans la ville de Bunia (Province d’ITURI - RD Congo),” International Journal of Innovation and Applied Studies, vol. 24, no. 3, pp. 1106–1114, October 2018.
