Cost Of Living in Tshikapa 2024

Average monthly spending for singles, couples, students, and families in Tshikapa

Whether you're living in Tshikapa or planning to move there, it is very important to know the cost of living and the prices of things. Here we list the average spending for the four main population groups.

Singles

The average monthly expense for a single person living in Tshikapa is 300,000 CDF. Expenses can range from 41,000 CDF at the minimum level to 2M CDF at the highest end.

Couples

The average monthly spending of couples in Tshikapa is 490,000 CDF. Expenditure can range from 160,000 CDF to 2.6M CDF per month.

Families

The average cost of living for families in Tshikapa is 660,000 CDF per month. Families spend anywhere from 230,000 CDF to 4.3M CDF.

Students

The average monthly expenditure for students in Tshikapa is 220,000 CDF. Students spend from 33,000 CDF to 1.5M CDF per month.

Expenditure to Income Ratio in Tshikapa

One of the most definite ways to determine how affordable a place is measuring the ratio of expenses to salary. A high expense-to-income to ratio indicates a high cost-of-living index while a low expenditure-to-salary ratio means the place is affordable to live in.

Expense to income distribution levels

Interpretation and Analysis

The average spending-to-salary ratio in Tshikapa is 77% This means that on average, people spend around 77% of their income for living. According to the distribution table, 14% of the population spend approximately 60% to 70% of their income every month.

Individual
69%
Spending-Income-Ratio

---

64%

76%

Couple
73%
Spending-Income-Ratio

---

67%

80%

Family
81%
Spending-Income-Ratio

---

74%

88%

How do people spend their money in Tshikapa?

We asked thousands of people about their spending habits and expenditure breaks. Below are their answers.

People living in Tshikapa typically spend from 11% to 30% of their total monthly expenditure on housing with 22% being the average. The average spend on housing is 130,000 CDF with expenditure ranging from 9,900 CDF to 1.3M CDF. This cost mainly goes for rent but it also includes other accommodation-related expenses. Housing costs are highest for families and lowest for students as expected.

Utility expenditure like electricity, water, and gas in Tshikapa ranges from 5% to 12% of total expenses with 8% being the average. The average monthly cost of utilities is 21,000 CDF with 1,600 CDF and 210,000 CDF being the upper and lower limits.

Fuel consumption and cost of transport depend heavily on whether you live near your work or school, but roughly speaking you would expect to spend from 3,300 CDF to 430,000 CDF on commuting with 43,000 CDF being the norm for most people in one month. This means that money spent on transport constitutes about 6% of total spending on average but can go as low as 3% or as high as 10%.

The average outlay on groceries in a month in Tshikapa is 110,000 CDF. The cost of groceries can range between 8,200 CDF to 1.1M CDF. People spend on average about 29% on food and groceries with upper and lower bounds of 21% and 35% respectively.

People in Tshikapa allocate 6% to 14% of their total monthly expenditure to healthcare including health insurance and out-of-pocket medical expenses. The average spending is around 11%. The range of medical expenses range from 2,300 CDF to 300,000 CDF with 30,000 CDF being the norm.

This category mostly contains discretionary or non-essential expenses but also some non-discretionary spending like furniture for example. The monthly expenses range from 1,300 CDF to 170,000 CDF with 17,000 CDF being the average. Speaking of percentages, that equates to 2% to 8% of total expenses with an average of 4% for most residents.

Spending on education can vary drastically between different people. While working singles can spend 0% on education, families and students' expenditure can reach up to 22%. On average, education constitutes 5% of the monthly expenditure with 3% and 11% being the lower and upper bounds respectively. The average reported education cost is 26,000 CDF per month with 2,000 CDF being the minimum spent amount and 260,000 CDF being the maximum.

How much money can you save in Tshikapa every month?

We asked thousands of people what percentage of their income can they save in a month. Below are the answers.

What percentage of people in Tshikapa manage to save money from their income every month?

Almost 49% of the surveyed people in Tshikapa said that they can save some money at the end of each month while 51% said that aren't saving anything.

Percentage of people saving money by population group in Tshikapa

Saving to Income Ratio

Average Monthly Saved Amount

For most people, 8.9% to 27% of their monthly income is what they can allocate to their savings, with 15% being the average. The amount of money that people can save is approximately 120,000 CDF on average with savings ranging from 9,300 CDF to 1.2M CDF.

49% of surveyed singles reported some of their income going to savings while 44% of couples said the same. 40% of families confirmed their ability to save money.

How much money do people actually save in Tshikapa?

Singles

Saving to Income Ratio

Average Monthly Saved Amount

Savings to income distribution levels for singles

Interpretation and Analysis

Singles who can afford to save reported that they allocate from 12% to 28% of their monthly income to savings, with 19% being the average for most singles. The average amount of money that singles are able to save is 83,000 CDF with 9,300 CDF and 560,000 CDF being the minimum and maximum respectively.

Couples

Saving to Income Ratio

Average Monthly Saved Amount

Savings to income distribution levels for couples

Interpretation and Analysis

Couples who confirmed their ability to save reported saving equivalent to 9.7% to 27% of their monthly income, with 17% being the average for most couples. The average amount of money that couples can save is 140,000 CDF with 46,000 CDF and 740,000 CDF being the minimum and maximum respectively.

Families

Saving to Income Ratio

Average Monthly Saved Amount

Savings to income distribution levels for families

Interpretation and Analysis

Families in Tshikapa can save anywhere between 8% to 25% of their monthly income, with 14% being the average for most families. The average amount of money that families can put aside is 190,000 CDF with 65,000 CDF and 1.2M CDF being the minimum and maximum respectively.

Saving Challenges in Tshikapa

Reasons that make it difficult for people to save money

We wanted to understand what is stopping people from maximizing their savings in Tshikapa. Listed below are the answers given by the survey participants.

Around 4% of the people said that their salary is too low to accommodate a portion for savings while 7% said that the high cost of living leaves little room for savings. 11% of the residents said that they are burdened with debt and find it challenging to save money. 12% reported that they just don't have the knowledge or discipline to create and stick to a budget, leading to overspending and an inability to save. 13% blamed impulsive spending as the reason for saving inability. Around 7% said that unexpected expenses like medical bills or car repairs are derailing their savings goals. 5% bluntly said that they don't see the purpose of it and prefer to live each day to the fullest. 23% reported that they understand the value of saving but are putting off saving for the future, thinking they have plenty of time to start later. 14% blamed inflation, saying that every time they save some money they end up using it immediately. A surprising 2% said that social pressure and keeping up with peers or social expectations makes them overspend. Lastly, 2% blamed market instability and price fluctuations.

Typical saving choices for people in Tshikapa

Where do people choose to put their savings?

A typical and healthy budgeting structure

The 50/30/20 rule

Spending among different people can vary significantly based on factors such as their income, lifestyle, location, and personal preferences. A commonly used guideline for budgeting is the 50/30/20 rule, which suggests allocating your income into three main categories in the following percentages.

• 50% for needs and financial obligations

  This category includes essential expenses like housing, utilities, groceries, transportation, and healthcare.

• 30% for wants and discretionary spending

  This category covers discretionary spending on non-essential items, such as dining out, entertainment, travel, and other lifestyle choices.

• 20% for savings and emergency fund

  This is the percentage that must be allocated to savings, emergency funds, and retirement accounts.

About financial planning, money management, and household budgeting

Affordable living in Tshikapa

Income and cost of living compatibility

We asked residents one simple question and recorded their answers.

Is it affordable or economical to live in Tshikapa?

Around 40% of surveyed residents think that living in Tshikapa is affordable with proper budgeting while 60% reported that it is just too expensive and not affordable even with frugality and thriftness.

Low-cost alternatives in Tshikapa

People are always looking for ways to cut down expenses and reduce expenditures. The hallmark of any affordable place is the availability of discount stores, bargain deals, smart or secondhand shopping, refurbished items, and couponing. We asked residents how easily cost-cutting is and the answers were distributed as follows:

Plenty of low-cost options49%

Few low-cost options51%

Based on the survey, 49% of the people living in Tshikapa have no problem finding low-cost alternatives to support a frugal lifestyle while 51% think that thriftness is difficult due to scarcity in discount markets and secondhand outlets.

Emergency Funds

An emergency fund is a financial safety net comprised of easily accessible savings set aside to cover unexpected expenses or financial emergencies, typically amounting to three to six months' worth of living expenses. We asked residents of Tshikapa whether they have an emergency fund and the answers were as follows.

Yes40%

No60%

Based on the survey, 60% of the people living in Tshikapa said that they don't have an emergency fund while 40% said that they do.

Financial Literacy in Congo Democratic Republic

Financial literacy is the knowledge of concepts and principles related to personal finance that allow individuals to make informed decisions regarding their money such as budgeting, saving, investing, borrowing, managing debt, financial risk management, and planning.

Financial Leteracy40%

We asked residents of Congo Democratic Republic whether they acquired any adequate personal financial training in their lives. Approximately 60% of the people who participated in the survey said that they are not well informed about the topics of budgeting, saving, etc., and just manage things based on their own experience, while 40% said that they know about the general principles of personal finance from sources other than their own experience.

Difficulty in Budgeting and Financial Planning

We wanted to understand whether residents of Congo Democratic Republic have problems or difficulties in managing their expenditures and savings so we asked people one simple question: do you struggle with your personal finances? 50% of the participants reported that they indeed struggle in creating budgets and in organizing their finances while 50% said that they have everything under control.

Struggles with finance50%

Easily manages finances50%

Financial goals of people in Tshikapa

In an attempt to understand the economic situation in Tshikapa, we asked participants about their financial targets. By knowing what the population in general is trying to achieve, we can shed light on the economic outlook, cost of living, and quality of life in general.

Around 9% of those who participated in the survey said that their main goal is to establish an emergency fund to cover unexpected expenses while 47% said their number one priority is to pay off high-interest debt or loans and improve credit. 11% of surveyed people confirmed that saving for retirement to ensure a comfortable lifestyle in the final years is their main target. Around 6% reported that their priority is saving for the tuition fees and education costs of their children while 19% choose to buy a home or pay off existing mortgage before other things. 5% of the population would like to build wealth through investments such as stocks, bonds, mutual funds, or real estate. For 4% of people, saving for vacations or upgrading their lifestyle is the number one concern. Approximately 16% of the residents said that saving for healthcare expenses including insurance premiums is their main goal.

Retirement, pension plans, and life after work in Tshikapa

What does the retirement lifestyle look like in Tshikapa and how much retirement savings are required?

Retirement age

The retirement age for most employees in Congo Democratic Republic is 65 years. Specific retirement ages can vary based on factors like occupation, gender, years of contribution, and location. It is not entirely unlikely for people to retire either before or after this age.

Retirement planning and savings

There are many retirement saving options, some are personally initiated and others are government-sponsered. Regardless of the source of savings, the minimum amount of money that needs to be put aside to ensure a peaceful and comfortable retirement at each age can be found in the table below. This data is largely approximated and can vary drastically based on individual needs and situations. Treat these figures as a general guideline.

Retirement Income Distribution

We asked residents of Tshikapa about their retirement income sources and below are the results.

Retirement Monthly Expenses in Tshikapa

Debt, loans, and mortgages in Tshikapa

Percentage of people who are in debt

According to the survey, 25% of the people in Tshikapa have some kind of debt, loan, mortgage, or credit card payments while 75% reported that they don't have financial obligations to banks.

Debt-to-income ratio in Tshikapa

Interpretation

The debt-to-income ratio measures the percentage of income being paid as debt settlement across the population. It is calculated by dividing the monthly debt settlement payment of an individual by their monthly income. Based on collected data, approximately 28% of the people's monthly income in Tshikapa goes to debt settlement.

Debt levels

Monthly debt settlement payment as percentage of monthly income

According to our data, 4% of the debtors in Tshikapa pay 60%+ of their income as debt settlement while 21% of the people pay 50% to 60% of their income for the same, which is quite an alarming financial situation for those individuals. 16% of people in debt dedicate 40% to 50% of their income to loan and mortgage payments while 18% dedicated 30% to 40% of income for same. Things are looking brighter for 8% of individuals as they only pay 20% to 30% of their income for loan and credit card repayment.

Distribution by type of debt in Tshikapa

6% of debtors in Tshikapa confirm that real estate mortgages constitutes the main part of their outstanding debt while 32% say that credit card payments are the reason they are in debt. Auto loans were the main type of debt for 11% of people and personal loans rose at 46%. Lastly, student loans are the main source of debt for 4% of debtors in Tshikapa.

Good debt vs. Bad debt

Not all debt is bad. Good debt typically refers to borrowing money for investments that can increase in value or generate income over time like purchasing a home or acquiring student loans. On the other hand, bad debt involves borrowing for things that fail to generate lasting value like high-interest credit card debt used for non-essential expenses like luxury items or vacations.

Loan Affordability Index in Tshikapa

Besides measuring the loan-to-income ratio, we asked residents of Tshikapa how many times in a year they defaulted or were unable to pay their due credit card or loan payments on time. Understanding how often people default on their due payments is one of the indicators of the cost of living and economic situation.

Frequency and percentage of people who failed to pay their monthly credit card or loan payments on time last year.

Housing costs, accommodation, and housing affordability in Tshikapa

Rent Cost in Tshikapa

Monthly Rent Prices

Studio apartment monthly rent cost

35,000 CDF

53,000 CDF

140,000 CDF

MINIMUM

AVERAGE

MAXIMUM

$13

$19

$51

1-bedroom apartment monthly rent cost

53,000 CDF

84,000 CDF

210,000 CDF

MINIMUM

AVERAGE

MAXIMUM

$19

$30

$76

2-bedroom apartment monthly rent cost

70,000 CDF

110,000 CDF

280,000 CDF

MINIMUM

AVERAGE

MAXIMUM

$25

$38

$100

3-bedroom apartment monthly rent cost

84,000 CDF

140,000 CDF

380,000 CDF

MINIMUM

AVERAGE

MAXIMUM

$30

$51

$140

Furnished apartment monthly rent cost

170,000 CDF

420,000 CDF

840,000 CDF

MINIMUM

AVERAGE

MAXIMUM

$61

$150

$300

Townhouse monthly rent cost

140,000 CDF

210,000 CDF

600,000 CDF

MINIMUM

AVERAGE

MAXIMUM

$51

$76

$220

House monthly rent cost

170,000 CDF

420,000 CDF

840,000 CDF

MINIMUM

AVERAGE

MAXIMUM

$61

$150

$300

Villa monthly rent cost

210,000 CDF

530,000 CDF

840,000 CDF

MINIMUM

AVERAGE

MAXIMUM

$76

$190

$300

The monthly rental cost of a studio apartment in Tshikapa ranges between 35,000 CDF and 140,000 CDF, meanwhile the cost of monthly rental of a one-bedroom apartment can be anywhere from 53,000 CDF to 210,000 CDF. Two-bedroom rentals rate ranges between 70,000 CDF and 280,000 CDF per month. The monthly rental for a three-bedroom apartment ranges from 84,000 CDF to 380,000 CDF. The average rent of a townhouse in Tshikapa is around 210,000 CDF while house rental costs can be as high as 420,000 CDF per month. Finally, if you want to rent a villa, expect to pay anywhere from 210,000 CDF to 840,000 CDF per month.

Apartment and house prices in Tshikapa

Cost of buying a property

Studio apartment price

7M CDF

11M CDF

21M CDF

MINIMUM

AVERAGE

MAXIMUM

$2,500

$3,800

$7,600

1-bedroom apartment price

8.4M CDF

14M CDF

53M CDF

MINIMUM

AVERAGE

MAXIMUM

$3,000

$5,100

$19,000

2-bedroom apartment price

14M CDF

42M CDF

84M CDF

MINIMUM

AVERAGE

MAXIMUM

$5,100

$15,000

$30,000

3-bedroom apartment price

47M CDF

70M CDF

210M CDF

MINIMUM

AVERAGE

MAXIMUM

$17,000

$25,000

$76,000

Townhouse price

60M CDF

140M CDF

530M CDF

MINIMUM

AVERAGE

MAXIMUM

$22,000

$51,000

$190,000

House price

70M CDF

420M CDF

600M CDF

MINIMUM

AVERAGE

MAXIMUM

$25,000

$150,000

$220,000

Villa price

84M CDF

470M CDF

700M CDF

MINIMUM

AVERAGE

MAXIMUM

$30,000

$170,000

$250,000

The average price of a studio apartment in Tshikapa can range from 7M CDF to 21M CDF depending on location. One bedroom cost can be anywhere from 8.4M CDF to 53M CDF. A villa can cost you 470M CDF on average with prices ranging from 84M CDF to 700M CDF.

House / apartment prices to income ratio

Property prices in Tshikapa can be x78 to x171 multiples of the monthly income depending on the property and the income of the person. On average, property prices are approximately x78 multiples of the average monthly salary in Tshikapa.

Rent to income ratio

The average rent-to-income ratio in Tshikapa is around 26%. This means that people pay 26% of their income for rent. Those figures can range from 17% to 35% depending on the salary, location, and type of property.

Housing affordability index

The housing affordability index measures how affordable accommodation is in a particular place. This can measured in multiple ways, the most common being housing expenditure to total expenditure ratio and the rent to income ratio. The housing expenditure ratio is a figure reported by individuals on the percentage they allocate for housing. Rent to income ratio is calculated by dividing the average monthly rent by the average income. Because these values are both percentages, we can find their average and get the best of the two worlds.

Property Taxes

Real estate owners pay property taxes to local tax authorities, which are determined by the assessed value of their property. Typically, these taxes are paid once a year. Property tax funds contribute to community development, financing infrastructure improvements, public services, and local education initiatives.

Home Maintenance Costs

Home maintenance costs encompass various expenses associated with the upkeep and repair of a residence. These expenditures include regular tasks such as lawn care, pest control, and HVAC system servicing, as well as occasional repairs and renovations like fixing leaks, painting, or replacing appliances.

Urban vs. rural living costs

Urban living typically entails higher housing and transportation costs due to demand and limited space, while rural areas generally offer lower housing expenses but may have higher prices for goods and services. The differnce in rental rates between urban areas and rural areas can be as high as 300% in some cases.

Monthly costs and expenses of energy and basic utilities in Tshikapa

Energy, electricity, water, gas, internet, and mobile cost in Tshikapa

Utility Bill Cost / Electricity + Water + Gas / Individual

2,500 CDF

18,000 CDF

120,000 CDF

MINIMUM

AVERAGE

MAXIMUM

$0.89

$6.4

$43

Utility Bill Cost / Electricity + Water + Gas / Couple

6,600 CDF

22,000 CDF

140,000 CDF

MINIMUM

AVERAGE

MAXIMUM

$2.4

$8

$52

Utility Bill Cost / Electricity + Water + Gas / Family

12,000 CDF

33,000 CDF

210,000 CDF

MINIMUM

AVERAGE

MAXIMUM

$4.2

$12

$77

Internet and cable cost

2,400 CDF

4,800 CDF

6,400 CDF

MINIMUM

AVERAGE

MAXIMUM

$0.86

$1.7

$2.3

Mobile phone bill and charges

1,900 CDF

3,200 CDF

9,600 CDF

MINIMUM

AVERAGE

MAXIMUM

$0.69

$1.2

$3.5

The average monthly expenditure for individuals on electricty, water, and gas in Tshikapa ranges between 2,500 CDF and 120,000 CDF with average being 18,000 CDF, meanwhile the expenditure of couples is slightly higher at 22,000 CDF with 6,600 CDF and 140,000 CDF being the upper and lower limits respectively. As expected, the energy and water consumption of families is the highest among the three groups with an average of 33,000 CDF. The cost of internet and WiFi is unchanged among the three groups and ranges from 2,400 CDF to 6,400 CDF with 4,800 CDF being the average internet bill. Finally, the average monthly mobile charges is around 3,200 CDF but can range between 1,900 CDF and 9,600 CDF depending on consumption. Mobile charges include both calling minutes as well as data packages.

Energy / Utility expense to income ratio

The average utility-to-income ratio in Tshikapa is around 5.3%. This means that people pay 5.3% of their income for energy, water, internet, and mobile charges. Those figures can range from 2.7% to 8.9% depending on salary and location.

Food Prices, Dining Expenses, and Grocery Costs in Tshikapa

Prices and cost of goods and services in Tshikapa

Dining out, food, and beverages costs. Price variations for common food items.

Fast food combo meal price

480 CDF

960 CDF

1,600 CDF

MINIMUM

AVERAGE

MAXIMUM

$0.17

$0.35

$0.58

The average price of a regular combo meal at a fast food outlet or chain like McDonald's, Pizzahut, or KFC in Tshikapa is approximatly 960 CDF with meal cost ranging from 480 CDF to 1,600 CDF. The typical combo meal consists of a burger, french fries, and a drink.

Restaurant meal for one price

1,500 CDF

2,200 CDF

4,500 CDF

MINIMUM

AVERAGE

MAXIMUM

$0.54

$0.81

$1.6

If you are planning to have a nice meal at a mid-range restaurant, expect to pay anywhere between 1,500 CDF and 4,500 CDF with 2,200 CDF being the average price of a plate for one person at a regular restaurant in Tshikapa.

Fine dining meal for one price

3,000 CDF

4,500 CDF

18,000 CDF

MINIMUM

AVERAGE

MAXIMUM

$1.1

$1.6

$6.5

The price range of a meal at fine-dining restaurant is 3,000 CDF to 18,000 CDF with the average cost being 4,500 CDF for one person. This is what you would expect to pay a top-tier diner in Tshikapa.

Beverage prices, cappuccino, latte etc..

400 CDF

640 CDF

960 CDF

MINIMUM

AVERAGE

MAXIMUM

$0.14

$0.23

$0.35

The average price of a regular beverage like cappuccino or latte at Starbucks, Costa, or similar coffee shops and cafes in Tshikapa is around 640 CDF. Price ranges between 400 CDF and 960 CDF depending on the type of beverage, the size, and optional add-ons.

Grocery and market costs

Large bottle of milk price

320 CDF

380 CDF

480 CDF

MINIMUM

AVERAGE

MAXIMUM

$0.12

$0.14

$0.17

The average price of a large bottle of milk in Tshikapa is 380 CDF. The maximum what you would pay for milk is 480 CDF and the minimum being 320 CDF depending on the brand of milk and other properties.

12 eggs price

240 CDF

320 CDF

480 CDF

MINIMUM

AVERAGE

MAXIMUM

$0.09

$0.12

$0.17

A dozen eggs costs around 320 CDF on average with 240 CDF and 480 CDF being the lower and upper limits respectively.

Fresh whole chicken price

540 CDF

700 CDF

1,000 CDF

MINIMUM

AVERAGE

MAXIMUM

$0.20

$0.25

$0.36

The price range of a fresh whole chicken in Tshikapa is between 540 CDF and 1,000 CDF depending on the size of the chicken and whether it is oraganic or not. The average price is approximatly 700 CDF.

Pack of beef price

640 CDF

960 CDF

1,900 CDF

MINIMUM

AVERAGE

MAXIMUM

$0.23

$0.35

$0.69

The price of a regular pack of beef or meat is around 960 CDF. A pack of beef contains around 1Kg or 1lb depending on packing.

Medium bag of rice price

260 CDF

350 CDF

500 CDF

MINIMUM

AVERAGE

MAXIMUM

$0.09

$0.13

$0.18

A bag of rice in Tshikapa costs around 350 CDF on average with prices rangeing between 260 CDF and 500 CDF depending on the brand and quality.

Bag of tomatos price

96 CDF

130 CDF

240 CDF

MINIMUM

AVERAGE

MAXIMUM

$0.03

$0.05

$0.09

A bag of tomatoes costs anywhere from 96 CDF to 240 CDF. A bag of tomatoes denotes 1Kg or 1lb depending on location.

Bag of apples price

170 CDF

220 CDF

370 CDF

MINIMUM

AVERAGE

MAXIMUM

$0.06

$0.08

$0.13

A bag of apples costs 220 CDF on average. A bag of apples denotes 1Kg or 1lb depending on location.

Grocery and food expenditure to income ratio

The average grocery-to-income ratio in Tshikapa is around 24%. This means that people spend 24% of their income on grocery and basic household items. The expenditure can range from 17% to 29% depending on salary and location.

Expenditure on food and grocery for every population group

A single person living alone spends approximately 47,000 CDF per month on grocery and food with expenditure fluctuating between 6,600 CDF and 320,000 CDF depending on location and the type of person. The average cost of food and groceries for a couple is around 69,000 CDF per month. That number can be get as low as 23,000 CDF or a high as 370,000 CDF. Families' spending on grocery ranges from 41,000 CDF to 770,000 CDF with the location, income, and size of the family being the most determinite factors.

SingleSpending habits, consumption analysis, and expenditure patterns for a single person living in Tshikapa

CoupleAverage monthly living expenditure breaks and spending patterns for couples in Tshikapa

FamilyAverage monthly expenses and break out of spending for families living in Tshikapa

StudentCost of living and expenses break down for students living in Tshikapa