One big problem is that modern capitalism is intensely individualistic, as is Western culture in general. African culture, on the other hand, is completely community-focussed. The individual does not exist apart from the community (family/village), therefore there is no concept of "private property".
This makes for a lot of frustration in intercultural interactions between Westerners and Africans. It's also the reason why almost all successful local development projects target the entire community, not individuals.
(This is not to judge one culture or the other! Just to point out that an economic system developed in one culture cannot be expected to work without problems in a very different culture.)
If you don't live in an advanced organized country and you are poor you have to rely on your local group. How else are you going to survive?
If you educate those people, put them in an advanced country and make them well off, you will see individualism appear.