PERSPECTIVE ON THE IMPLEMENTATION OF THE AUTOMOBILE GUARANTEE FUND (FOGA) IN THE DEMOCRATIC REPUBLIC OF THE CONGO

This article explores the perspective of implementing the Automobile Guarantee Fund (FOGA) in the DRC. In the face of the growing number of vehicles and the concomitant increase in road accidents, the absence of an effective compensation system for victims of accidents involving uninsured or unidentified vehicles represents a social injustice. The FOGA aims to fill this gap by compensating victims, drawing inspiration from foreign models that have demonstrated their effectiveness in road safety and social protection. Two hypotheses are formulated: the immediate care of victims significantly influences their perception of the FOGA (victims cared for by bystanders having a more negative perception), and the attraction of donors, the strengthening of social justice, and the improvement of road safety constitute opportunities, while the realization, mismanagement, and integration of citizens represent challenges. The methodology is based on a deductive approach, using a stratified random sample of 420 individuals (348 drivers and 43 hospitalized victims in Kinshasa). The data are collected through questionnaires and interview guides, analyzed using univariate, bivariate, logistic regression, SWOT, and PESTEL analyses. The literature review explores economic and behavioral theories (expected utility, moral hazards, adverse selection, incentives, behavioral) and their empirical applications in the field of automobile insurance. The study concludes by highlighting the complexity of implementing FOGA in the DRC, given the structural and institutional constraints, but emphasizing the need for an integrated approach to ensure its success.