This article aims at grasping why people living in the North part of Kabare territory continue to use informal financial services in spite of the presence of formal institutions which are more helpful than the former in the area. The presence of formal financial institutions in the North part of Kabare territory should decrease indubitably the fact of recouring on the ways of saving money and asking loans informally. This should be due to the usurious practice that they undergo. Unfortunately, the fact of not being aware of how formal institutions work, their policies as well as the lack of confidence on their behalf, hinder them to use microfinance institutions. To get solution to their financial needs, inhabitants of North Kabare have developed strategies of informal financement which they find useful and more adapted to their needs regardless the highness of the benefit which they pay. It is obvious that most of formal financial institutions are being installed progressively in this part of South Kivu province even though people living there are less interested in that dynamic and consider the informal ones as being sensitive to their financial needs.

This article attempts to analyze the application of the free teaching in publical primary schools of the educational sub province of Goma especially giving off the effects, impacts and perspectives. In that educational sub province, the free teaching is applied in agreement with the law. This way of doing things has got its advantages for parents on one hands and negative impacts for teachers, schools, state and pupils on the other hands. It causes the increasement of pupils’ number in classes, something which influence negatively the quality of teaching/learning process. Schools undergo much short comings namely, pedagogical, material and financial ones. A number of efforts are still evolved by all partners of education so as to lay well the free teaching.