DR Congo

Not yet checkedChecked 2026-11-14 · confidence low

We found no Islamic bank or product on the central bank's list or in its search, but we have not been able to read the 2022 banking law or the 2026 stock market law yet.

Five checks

Banking rulesNot checked

Not a CEMAC or CIMA member, so COBAC and CIMA texts do not apply. The BCC full-text site search (which covers its PDF publications and instructions) returned 0 results for 'sukuk' and 'takaful', and none of its 8 results for 'islamique' is a rule: they are passing mentions such as the Islamic Republic of Iran and a 2011 microfinance report listing Islamic finance as a conference topic. Banking is governed by Law No. 22/069 of 27 December 2022 on credit institutions; its text was not found on the BCC site or elsewhere, so it could not be checked. Left null for that reason.

Licensed banks and windowsNot found
Sukuk issuedNot found
Takaful (non-interest insurance)Not found

A search of the ARCA (insurance regulator) site for 'takaful' and 'islamique' returned no results, and the BCC search for 'takaful' returned 0 results.

Capital market rulesNot checked

Law No. 26/034 of 20 August 2026 on stock markets (published in the Journal officiel on 2 September 2026) creates a market regulator (ARMF) and opens the way to a Kinshasa Stock Exchange. A legal news summary of the law lists the instruments it covers and does not mention sukuk. The law text was not read and the ARMF is not yet set up, so this is left null.

  • “publié au Journal officiel le 2 septembre 2026”
    Droit Médias Finance · 2026-09 · secondary
  • “chargée notamment d’élaborer le règlement général du marché”
    Actualite.cd · 2026-09-04 · secondary

Still open

Points we could not confirm at source yet.

  • Does Law No. 22/069 of 27 December 2022 mention Islamic or participatory banking? Text not found.
  • CRDB Bank DR Congo SA (licensed 28 April 2023) belongs to a Tanzanian group that runs an Islamic window (Al Barakah) in Tanzania. Its DRC home page shows no Islamic product; no DRC window was found.
  • Will the future ARMF general regulation provide for sukuk?
Where we searched
  • bcc.cd: site search (full text, includes PDFs) for 'islamique', 'sukuk', 'takaful', 'charia', 'finance participative' and the banking law title; licensed banks list (16 banks)
  • arca.cd: site search for 'takaful' and 'islamique' (no results)
  • crdbbank.cd home page: no Islamic product mentioned
  • Law No. 22/069 text: not found on bcc.cd, leganet.cd or by web search; regalert.today copy blocked by a security check (not bypassed)
  • Web searches (French and English): finance islamique RDC, Law 22/069, Law 26/034 and ARMF, CRDB Bank DR Congo Al Barakah