Volume 24, Issue 1, June 2016, Pages 179–188
Fidèle MATITI LUKWESA1, Damien MANEGABE KATULANYA2, and Jacques FERUZI TCHEUPE3
1 Faculté des sciences économiques et de gestion, ULGL/BUKAVU, RD Congo
2 Assistant de deuxième mandat, Institut Supérieur de Techniques de Développement de Mulungu (ISTD-MULUNGU), Bukavu, Sud-Kivu, RD Congo
3 Faculté des sciences économiques et de gestion, ULGL/BUKAVU, RD Congo
Original language: French
Copyright © 2016 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.
In this article we describe the agricultural financing by financial institutions in order to ensure the lives of farmers in rural areas. The financing of the agricultural sector followed different trends from the 2nd century to today. The first financial aid for farmers came from the States which were to intervene to support the sector according to the Keynesian principle. The states supported agriculture through credit institutions such as agricultural and development banks of traditional financial system. Indeed, agriculture is a major economic sector in developing countries. Three out of four poor people live in rural areas and most of them depend on agriculture. Agriculture for Development, Development Report in the world, World Bank, 2008 Since some time, some MFIs are based in rural areas to support the agricultural sector through agricultural credit, sometimes not well understood and disapproved by the rural population. Although the agricultural credit is an indispensable means for promoting agriculture and rural development, this situation is a source of reluctance and demotivation for MFIs because over 90% of loans granted by MFIs are oriented to trade business forgetting the agricultural sector which is principal in rural areas.
Author Keywords: Agricultural financing, rural areas, financial Institution, agricultural sector.
Fidèle MATITI LUKWESA1, Damien MANEGABE KATULANYA2, and Jacques FERUZI TCHEUPE3
1 Faculté des sciences économiques et de gestion, ULGL/BUKAVU, RD Congo
2 Assistant de deuxième mandat, Institut Supérieur de Techniques de Développement de Mulungu (ISTD-MULUNGU), Bukavu, Sud-Kivu, RD Congo
3 Faculté des sciences économiques et de gestion, ULGL/BUKAVU, RD Congo
Original language: French
Copyright © 2016 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
In this article we describe the agricultural financing by financial institutions in order to ensure the lives of farmers in rural areas. The financing of the agricultural sector followed different trends from the 2nd century to today. The first financial aid for farmers came from the States which were to intervene to support the sector according to the Keynesian principle. The states supported agriculture through credit institutions such as agricultural and development banks of traditional financial system. Indeed, agriculture is a major economic sector in developing countries. Three out of four poor people live in rural areas and most of them depend on agriculture. Agriculture for Development, Development Report in the world, World Bank, 2008 Since some time, some MFIs are based in rural areas to support the agricultural sector through agricultural credit, sometimes not well understood and disapproved by the rural population. Although the agricultural credit is an indispensable means for promoting agriculture and rural development, this situation is a source of reluctance and demotivation for MFIs because over 90% of loans granted by MFIs are oriented to trade business forgetting the agricultural sector which is principal in rural areas.
Author Keywords: Agricultural financing, rural areas, financial Institution, agricultural sector.
Abstract: (french)
Dans ce présent article nous décrivons le financement agricole par des institutions financières afin d’assurer la vie des agriculteurs en milieux ruraux. Le financement du secteur agricole a suivi différentes tendances du 2e siècle jusqu’à nos jours. Les premières aides de financement pour les agriculteurs sont venus des Etats qui suivant le principe du keynésianisme sont intervenus pour soutenir les acteurs du secteur. Les Etats subventionnaient l’agriculture via les institutions de crédits telles que les banques agricoles et les banques de développement système financier classique. En effet, l’agriculture représente un secteur économique majeur dans les pays du Sud. Trois personnes pauvres sur quatre vivent en zone rurale et la majorité des ruraux dépendent de l’agriculture. L’agriculture au service du développement, Rapport sur le développement dans le monde, Banque Mondial, 2008. Depuis peu de temps, quelques IMF se ruralisent dans la zone pour un appui au secteur agricole à travers le crédit agricole, parfois non compris et mal perçu par les populations rurales. Bien que le crédit agricole soit un outil indispensable pour la promotion agricole et le développement rural, cette situation est source de réticence et désintéressement des IMF au point que plus de 90% des crédits octroyés par les IMF, même celles installées en milieu rural sont orientés vers les activités commerciales oubliant l’agriculture.
Author Keywords: Financement agricole, milieu rural, institution financière, secteur agricole.
How to Cite this Article
Fidèle MATITI LUKWESA, Damien MANEGABE KATULANYA, and Jacques FERUZI TCHEUPE, “FINANCEMENT DU SECTEUR AGRICOLE PAR DES INSTITUTIONS FINANCIERES : ETAT DES LIEUX ET PERSPECTIVES - CAS DE LACOOPEC / KAVUMU ET PAIDEK DE KATANA,” International Journal of Innovation and Scientific Research, vol. 24, no. 1, pp. 179–188, June 2016.
