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3038 Hennepin Ave Minneapolis, MN
612-822-4611
The Shift to Bank-Based Payroll for Civil Servants in the DRC

The Shift to Bank-Based Payroll for Civil Servants in the DRC

Paperback

Business General

ISBN10: 6209915450
ISBN13: 9786209915451
Publisher: Our Knowledge Publishing
Published: May 11 2026
Pages: 56
Weight: 0.19
Height: 0.13 Width: 6.00 Depth: 9.00
Language: English
This study analyzes the impact of bank-based salary payments for public-sector teachers in the city of Goma on their saving behavior. The aim was to determine what impact financial inclusion has had on the behavior of teachers in Goma. The results of field research conducted among 90 teachers in the city of Goma show that government employees appreciate the method of payment via bank transfer. Despite the regularity of pay, we found that banking access has encouraged savings only to a very limited extent, as the salaries of most teachers are too low to allow for savings; only those with a more or less decent salary are able to save. It should also be noted that this method of payment, due to the regularity of pay, facilitates saving and, consequently, access to credit. However, teachers' salaries remain very low, which leads to low savings.

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