This document captures the depth and richness of the discussions from the Makutano Talk of October 11, 2025, which focused on an essential and long-overlooked question: why does Congolese savings finance everything except the Congo ?
Gathered in the Makutano room of the Club House, this unprecedented dialogue, structured around the Governor of the Central Bank of Congo, André Wameso Nkualoloki, brought together public decision-makers, bankers, academics, entrepreneurs, investors and national and international experts around a common objective: to understand the structural blockages of national financing and to identify the conditions for rebuilding genuine financial confidence in the Democratic Republic of Congo.
In an approach that was both analytical and uncompromising, the Talk highlighted a profound paradox: the DRC has abundant savings from households, the diaspora and businesses, but these savings are systematically diverted from financing the national economy to fuel foreign assets and markets.
This document summarizes the key contributions of the session, particularly those concerning :
- Trust as the invisible foundation of any sound economy;
- The shortcomings of the regulatory, prudential and judicial framework;
- Les mécanismes nécessaires pour organiser une épargne durable et souveraine, notamment la capitalisation, les pensions et un écosystème en franc congolais ;
- The issue of dollarization and the revaluation of the Congolese franc as a strategic monetary instrument;
- The protection of investors and the safeguarding of national savings;
- Digitalisation, payment fluidity and regional integration as levers for financial modernisation;
- The decisive role of leadership, governance and coherence of public policies.
Based on clear observations and international comparisons, this document highlights the strategic roadmap proposed by the stakeholders: strengthening regulation and institutions, organizing long-term national savings, modernizing financial mechanisms and building a bridge of trust between Congolese capital and Congolese projects.
This report is aimed at public decision-makers, regulators, researchers, investors, economic operators and engaged citizens, who wish to contribute to the building of a robust, inclusive and sovereign financial system, an essential condition for the emergence of a strong, resilient Congolese economy fully focused on its own development.
