BANCARISATION DE LA PAIE ET COMPORTEMENT D’EPARGNE DES FONCTIONNAIRES DE L’ETAT EN TERRITOIRE DE MAHAGI, PROVINCE DE L’ITURI EN REPUBLIQUE DEMOCRATIQUE DU CONGO

BWATUNDA Delphin Bitangi, NYADRI Janvier Egudra, BIN SABITI RABITI Jean- Paul Ramazani and LISOMBO Etienne Kitoko
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BWATUNDA Delphin Bitangi: Chef de Travaux à l’Institut Supérieur Pédagogique de Mahagi
NYADRI Janvier Egudra: Professeur Associé à l’Université de Kisangani, RDC
BIN SABITI RABITI Jean- Paul Ramazani: Professeur à l’Université de Kinshasa, RDC.
LISOMBO Etienne Kitoko: Professeur Ordinaire à l’Université de Kisangani, RDC.

Journal of Advance Research in Business, Management and Accounting, 2026, vol. 12, issue 2, 8-14

Abstract: This study examines the impact of the payroll banking reform on the saving behavior of civil servants in the Mahagi territory of the Democratic Republic of the Congo. Although this policy aims to streamline public finances and promote financial inclusion, the findings reveal a predominant "all-cash" phenomenon, characterized by the full withdrawal of salaries as soon as they are made available. Employing an inductive methodological approach and a survey of 160 public agents, the research demonstrates that the meagerness of income is the primary structural determinant of the lack of formal savings, as wages generally remain below the threshold of incompressible consumption. The analysis also highlights significant institutional and logistical barriers. A deep crisis of confidence in the banking system, fueled by liquidity risks and poor service quality, along with the geographical distance of bank branches, reinforces a strong preference for absolute liquidity. High transaction costs and operational failures ultimately reduce bank accounts to mere technical transit instruments. In conclusion, the study emphasizes that the effectiveness of banking as a lever for mobilizing local savings remains dependent on a substantial improvement in purchasing power and the strengthening of banking network reliability in rural areas.

Keywords: Banking; Savings; Civil servants; Financial inclusion; Mahagi; Democratic Republic of the Congo (search for similar items in EconPapers)
Date: 2026
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Persistent link: https://EconPapers.repec.org/RePEc:etq:jarbma:40

DOI: 10.61841/nn-bma-12-2-40

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