In my pocket, I trust. Not the bank
The Congo has a low rate of banking at 13%, which means that the Congolese do not like banking or have not yet understood the role of the bank.
Anyone who has lived in the Congo will say with confirmation that the Congolese like to see their table full of beer. The choice of beer is really relative. Beer is almost a religion that does not escape any age group.
Just like the “sportsmen of Sunday”, commonly called ewawa just after a few minutes of sport, go to the bistro to pay tribute to the brewers. Sport is an excuse to get together and a reason to drink cold beers after sweating.
The role of financial institutions is not well known. Especially since it is not taught at school and stories like the one of Umberto Brada confirm certain hypotheses. The average Congolese person finds it safer to have money in his pocket. Is that bad? I let the financial management teachers answer.
My pocket is safer than the bank
Our behavior in the bistro by correlation explains our financial habits. We feel safer when we can see what belongs to us.
When our money is in the bank, access becomes procedural and few people like it. The same goes for people who stack drinks on the table. Seeing liquor bottles at the table gives a sense of pride and confidence in what belongs to you. Unlike the banking system, which works differently. I can say that the banking system is an abstract concept.
Is it just a way of doing things that I don’t understand? In any case, that’s what I want to know.
Our behaviors are defined by what we do every day. And sometimes unrelated things can have a surprising impact where we least expect it.
