Ok, I read through sections I and II, and no further. Sticking my neck w-a-a-a-y out there, I would loan the francs on my table to Congolese who could convince me they can make a business, provide a product or service, grow the business and employ other Congolese.

Essentially, become a bank that makes only business loans. Perhaps charge interest, perhaps not. I'd recycle loan payments to make new loans to new entrepreneurs. I'd meet periodically with the borrowers to learn what is working for them and what is not so that I can select better candidates over time, hopefully before I run out of francs...