Restriction des transactions de devises en espèce et effet potentiel sur le pouvoir d’achat des ménages: cas de la RDC

Restriction of foreign currency cash transactions and its potential effect on household purchasing power: the case of the Democratic Republic of Congo

David Mavuma and Chris Kahambwe

MPRA Paper from University Library of Munich, Germany

Abstract: This study examines the potential effects of transaction costs associated with electronic payments in foreign currency on household purchasing power in the Democratic Republic of the Congo within the framework of the reform proposed by the Central Bank of Congo. Using a transaction cost analysis and simulations based on the tariff structures of major Mobile Money operators, the findings suggest that transaction fees may increase the effective cost of goods and services and reduce consumers’ purchasing power. In a context characterized by poverty, low banking penetration, and a large informal sector, the study highlights the need for appropriate regulatory and inclusion measures to protect vulnerable populations and ensure the achievement of the reform’s financial traceability objectives.

Keywords: Transaction Costs; Mobile Money; Purchasing Power; Payment Reform; Financial Inclusion; Democratic Republic of Congo. (search for similar items in EconPapers)
JEL-codes: E42 G21 L81 O16 (search for similar items in EconPapers)
Date: 2026-05-24, Revised 2026-05-25
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Persistent link: https://EconPapers.repec.org/RePEc:pra:mprapa:129279

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