Abstract: Managing medical data in the health systems of low- and middle-income countries (LMICs) remains a major challenge, combining fragmented sources, chronic information insecurity, and limited decision-making power. This research proposes, implements, and validates an integrated medical data governance model called SMGD-BI ( Secure Medical) . Data Governance – Business Intelligence), specifically adapted to the context of Kinshasa, Democratic Republic of Congo. Based on a Design Science Research (DSR) approach, the model articulates a four-layer Business Intelligence (BI) architecture (acquisition, multidimensional storage, analysis, visualization) with a Security-by-Design security foundation combining AES-256 and TLS 1.3 encryption, hybrid RBAC/ABAC access control, blockchain traceability, and differential anonymization. A functional prototype, developed with open-source technologies (PostgreSQL, Airbyte , Pentaho , Metabase ) and Power BI, was evaluated on synthetic (500,000 queries) and anonymized real-world (45,000 queries) datasets. Experimental results show average response times of 3.87 seconds for complex queries, a throughput of 65 queries per second, an ETL latency of 8.7 minutes under incremental load, and 98.7% availability under simulated electrical and network constraints. Penetration tests revealed no critical vulnerabilities, with a 100% detection rate of unauthorized access. Anonymization using differential confidentiality (DCT ε=0,1 ) resulted in an average relative deviation of 4.2% on aggregated measurements. Participatory validation with 22 experts confirmed the relevance of the 12 key performance indicators (average score 4.3/5) and user satisfaction (UEQ-S score of +1.62). This work fills a scientific gap in the literature on health information systems in the context of low- and middle-income countries (LMICs) and provides an operational roadmap for deploying secure medical data governance across the Kinshasa metropolitan area.

Keywords: Medical data governance, Business intelligence, Information systems security, Public health, Kinshasa, Multidimensional model, Encryption, Access control, Anonymization, Blockchain.

Title: Secure Medical Data Governance Model Based on Business Intelligence for Public Health Decision Support in Kinshasa

Author: MANZIA MANSANGA Eliane, NZINGA EALE Guelor, TABALA MBOMA Cyprienne

International Journal of Novel Research in Interdisciplinary Studies

ISSN 2394-9716

Vol. 13, Issue 5, September 2026 - October 2026

Page No: 15-25

Novelty Journals

Website: www.noveltyjournals.com

Published Date: 10-September-2026

Abstract: Insurance innovation is important and the use of cash based retailers in micro-insurance is a new frontier. The objective of the study was to assess the key considerations in selling insurance by cash based retailers as an alternative distribution channel for micro-insurance in Kenya. A descriptive survey research design was used with a target population of 348,700. A sample of 192 respondents was extracted with a response rate of 95 percent. A questionnaire was used to collect primary data. Research assistants were used to collect data which was checked, cleaned, coded and analyzed. Data was analyzed using descriptive statistics like frequencies, cross tabulations, percentages, means and standard deviations. The results were presented using tables, bar charts and pie charts. The results indicated that a majority of retailers had a negative perception towards insurance. The choice of a particular insurance company was largely determined by the speed of claims settlement. Life assurance the easiest to sell with preference to the use of the mobile phone in transacting insurance. Mobile money was the most preferred mode of claims settlement.

Keywords: Key Considerations, Mobile Money, Claims Settlement, Micro-insurance.

Title: KEY CONSIDERATIONS IN SELLING INSURANCE BY CASH BASED RETAILERS AS AN ALTERNATIVE DISTRIBUTION CHANNEL FOR MICRO-INSURANCE IN KENYA

Author: JUSTUS TARI

International Journal of Novel Research in Interdisciplinary Studies

ISSN 2394-9716

Vol. 13, Issue 5, September 2026 - October 2026

Page No: 1-14

Novelty Journals

Website: www.noveltyjournals.com

Published Date: 10-September-2026