Volume 25, Issue 2, July 2016, Pages 654–675
Daniel Gonzato Bina1
1 Département d'Economie, Faculté des Sciences Economiques et de Gestion, Université de Gbado-Lite (UniGba), 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.
Can we talk about the saving for the people in DR Congo, a country that is associated with social-economic indicators so poor? Since the early 2010's the observation of some economic indicators in this country may feed the discussion. This article is a contribution to the study of household saving behavior in DR Congo. It illuminates ways to mobilize economic players around saving, its profits and channeling it into economic and social sustainable objectives. A return to the traditions allowed DR Congo to discern to sayings that reveal relevant aspects on saving such as the need for saving, secure investments or the importance of net investments. A theoretical model of the saving behavior of Congolese households has been drawn. Survey data in cross section and/or panel data are needed for an empirical test of the model.
Author Keywords: household savings, SME, consumer credit, bank, DR Congo.
Daniel Gonzato Bina1
1 Département d'Economie, Faculté des Sciences Economiques et de Gestion, Université de Gbado-Lite (UniGba), 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
Can we talk about the saving for the people in DR Congo, a country that is associated with social-economic indicators so poor? Since the early 2010's the observation of some economic indicators in this country may feed the discussion. This article is a contribution to the study of household saving behavior in DR Congo. It illuminates ways to mobilize economic players around saving, its profits and channeling it into economic and social sustainable objectives. A return to the traditions allowed DR Congo to discern to sayings that reveal relevant aspects on saving such as the need for saving, secure investments or the importance of net investments. A theoretical model of the saving behavior of Congolese households has been drawn. Survey data in cross section and/or panel data are needed for an empirical test of the model.
Author Keywords: household savings, SME, consumer credit, bank, DR Congo.
Abstract: (french)
Peut-on parler d'épargne pour les populations de la RD Congo, pays associé à des indicateurs socio-économiques si ternes ? L’observation de quelques indicateurs de l'économie de ce pays, depuis le début des années 2010, peut suggérer un intérêt à la réflexion sur le sujet. Cet article est une contribution à l’étude du comportement d’épargne des ménages en RD Congo. Il illumine des pistes pour mobiliser les agents économiques autour de l’épargne, sa récolte, sa canalisation vers des objectifs économiquement et socialement soutenables. Un retour aux traditions en RD Congo a permis de relever des dictons qui dévoilent des aspects pertinents en matière d’épargne : nécessité d’épargne, sécurisation du placement, importance de l’investissement net. Une esquisse du modèle théorique du comportement d’épargne des ménages congolais est élaborée. Des données d’enquête en coupe transversale et/ou des données en panel sont nécessaires pour réaliser test empirique du modèle.
Author Keywords: épargne des ménages, PME, crédit à la consommation, banque, RD Congo.
How to Cite this Article
Daniel Gonzato Bina, “Modélisation du comportement d'épargne des ménages en RD Congo : réflexion sur la récolte d'épargne à l'appui des activités des PME et du crédit à la consommation par l'implantation d'une banque d'épargne intégrée,” International Journal of Innovation and Scientific Research, vol. 25, no. 2, pp. 654–675, July 2016.
