International Journal of Scientific Research and Engineering Development

International Journal of Scientific Research and Engineering Development


( International Peer Reviewed Open Access Journal ) ISSN [ Online ] : 2581 - 7175

IJSRED » Archives » Volume 8 -Issue 5


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📑 Paper Information
📑 Paper Title Action Des AVEC Dans La Lutte Contre La Pauvreté Des Ménages En Ville De Goma, Cas De l'AVEC SHALOOM
👤 Authors SHUKURU BWENGE Jean
📘 Published Issue Volume 8 Issue 5
📅 Year of Publication 2025
🆔 Unique Identification Number IJSRED-V8I5P87
📝 Abstract
This reflection focuses on the “with” as a palliative to the lack of trust in formal financial institutions in GOMA. The population of Goma has adopted a strategy of “with” not only for the survival and development but also to circumvent the various conditions imposed by banks for easy access to credit. The “with” are the fruits of solidarity experienced within social groups, mutual societies, associations, it is taken as a tontine system in which people meet regularly and each pay their contribution, the total amount, of which is given in turn to each member according to an initially agreed time interval. The stakes for each member, a credit is granted according to the number of shares saved and the regularity fund.