Volume 44, Issue 1, August 2019, Pages 85–94
BYAMUNGU MIHIGO Jean Paul1 and CITULI ALINIRHU Vedaste2
1 Assistant, ISDR/Bukavu, RD Congo
2 Assistant, ISDR-BUKAVU, RD Congo
Original language: French
Copyright © 2019 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.
States in the South are no longer able to fulfill their redistributive function, that is to say to provide for the socio-economic needs of their population. In this context, the rural and urban populations of these countries are obliged to develop new forms of solidarity and mutual assistance in order to find solutions to the problems they are confronted with. Although the use of this notion is recent as elsewhere in Francophone Africa, it nevertheless relies on the organization of inherited practices of volunteering and adherence to collective work very old Twenty years ago, the Kabare chiefdom developed savings and credit groups on the model of solidarity mutual. Farmers are grouped either according to the environment, the affinities and according to their activities are fixed an amount, the deadlines and the beneficiaries by rotation. Designed to provide basic financial services to their members, these endogenous initiatives operate in the informal sector and receive no external input in terms of funding and training. In addition, the difficulties of appropriation of these decentralized financing structures by the members constitute the blockages in the evolution and the perpetuation of the financial services. Added to this, the low membership rate of the members, the low contribution rate of low household income, the poor organization due to lack of expertise, the proliferation of savings and credit institutions, the overlap and competition caused by the current diversification of Village Savings and Loan Association.
Author Keywords: Emergence, solidarity, pathway, socio-economic empowerment, households.
BYAMUNGU MIHIGO Jean Paul1 and CITULI ALINIRHU Vedaste2
1 Assistant, ISDR/Bukavu, RD Congo
2 Assistant, ISDR-BUKAVU, RD Congo
Original language: French
Copyright © 2019 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
States in the South are no longer able to fulfill their redistributive function, that is to say to provide for the socio-economic needs of their population. In this context, the rural and urban populations of these countries are obliged to develop new forms of solidarity and mutual assistance in order to find solutions to the problems they are confronted with. Although the use of this notion is recent as elsewhere in Francophone Africa, it nevertheless relies on the organization of inherited practices of volunteering and adherence to collective work very old Twenty years ago, the Kabare chiefdom developed savings and credit groups on the model of solidarity mutual. Farmers are grouped either according to the environment, the affinities and according to their activities are fixed an amount, the deadlines and the beneficiaries by rotation. Designed to provide basic financial services to their members, these endogenous initiatives operate in the informal sector and receive no external input in terms of funding and training. In addition, the difficulties of appropriation of these decentralized financing structures by the members constitute the blockages in the evolution and the perpetuation of the financial services. Added to this, the low membership rate of the members, the low contribution rate of low household income, the poor organization due to lack of expertise, the proliferation of savings and credit institutions, the overlap and competition caused by the current diversification of Village Savings and Loan Association.
Author Keywords: Emergence, solidarity, pathway, socio-economic empowerment, households.
Abstract: (french)
Les États des pays du Sud ne sont plus à même d'assurer leur fonction de redistribution, c'est-à-dire de pourvoir aux besoins socio-économiques de leur population. Dans ce contexte, les populations rurales et urbaines de ces pays sont obligées de développer de nouvelles formes de solidarité et d'entraide dans le souci de trouver des solutions aux problèmes auxquels elles se trouvent confrontées. Bien que l’utilisation de cette notion soit récente comme ailleurs en Afrique francophone, elle repose néanmoins sur l’organisation de pratiques héritées de bénévolat et d’adhésion au travail collectif très anciennes Il y a une vingtaine d'années que s’est développé dans la chefferie de Kabare des groupes d'épargne et de crédit sur le modèle des mutuelles de solidarité. Des paysans se regroupent soit selon le milieu, les affinités et ou selon leurs activités se fixent un montant, les échéances et les bénéficiaires par rotation. Conçues dans le but de fournir des services financiers de base à leurs membres, ces initiatives endogènes fonctionnent dans l’informel et ne bénéficient d’aucun apport extérieur en terme financier et en formation. Par ailleurs, les difficultés d'appropriation de ces structures de financement décentralisées par les membres constituent les blocages dans l’évolution et de la pérennisation des services financiers. A ceci s’ajoute le faible taux d’adhésion des membres, le faible taux de cotisation du au faible revenu des ménages, la mauvaise organisation due au manque d’expertise, la prolifération des institutions d’épargne et de crédit, le chevauchement et la concurrence causée par la diversification actuelle des AVEC.
Author Keywords: Emergence, Mutuelle de solidarité, voie, autonomisation socio-économique, ménages.
How to Cite this Article
BYAMUNGU MIHIGO Jean Paul and CITULI ALINIRHU Vedaste, “Emergence des mutuelles de solidarité : Une voie d’autonomisation socio-économique des ménages dans la Chefferie de Kabare, au Sud-Kivu,” International Journal of Innovation and Scientific Research, vol. 44, no. 1, pp. 85–94, August 2019.
