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Musambay Ramazani

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Open access 2026

EVOLUTION OF INSURANCE OPERATORS IN THE DEMOCRATIC REPUBLIC OF CONGO: IMPACT ON THE INSURANCE MARKET

The liberalization of the insurance sector in the Democratic Republic of Congo, established by Law No. 15/005 of March 17, 2015, profoundly transformed the national insurance landscape by ending the monopoly of the National Insurance Company (SONAS). This study analyzes the evolution of insurance operators and their im...

Guy Angbongi Gongwa, Bofoe Lokangu, Musambay Ramazani et al. · 0 citations
Open access 2026

LIBERALIZATION OF THE INSURANCE SECTOR IN THE DRC: LEGAL CHALLENGES AND STRATEGIES FOR PROTECTING SONAS FROM COMPETITION

The promulgation of Law No. 15/005 of March 17, 2015 establishing the Insurance Code in the Democratic Republic of Congo ended the monopoly of the National Insurance Company (SONAS) and opened the sector to national and international competition. This major legal transformation raises the fundamental question of protec...

Guy Angbongi Gongwa, Bofoe Lokangu, Musambay Ramazani et al. · 0 citations

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