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

Mavuma, David and Kahambwe, Chris (2026): Restriction des transactions de devises en espèce et effet potentiel sur le pouvoir d’achat des ménages: cas de la RDC.

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.

• Item Type: MPRA Paper
• English Title: Restriction of foreign currency cash transactions and its potential effect on household purchasing power: the case of the Democratic Republic of Congo
• Language: French
• Keywords: Transaction Costs; Mobile Money; Purchasing Power; Payment Reform; Financial Inclusion; Democratic Republic of Congo.
• Subjects: E - Macroeconomics and Monetary Economics > E4 - Money and Interest Rates > E42 - Monetary Systems ; Standards ; Regimes ; Government and the Monetary System ; Payment Systems; G - Financial Economics > G2 - Financial Institutions and Services > G21 - Banks ; Depository Institutions ; Micro Finance Institutions ; Mortgages; L - Industrial Organization > L8 - Industry Studies: Services > L81 - Retail and Wholesale Trade ; e-Commerce; O - Economic Development, Innovation, Technological Change, and Growth > O1 - Economic Development > O16 - Financial Markets ; Saving and Capital Investment ; Corporate Finance and Governance

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