Kiva conducts regular, ongoing monitoring of all Field Partners, but only posts status updates here in response to relevant, major changes at the partner.

Partner Description:

Agence de Crédit pour l’Entreprise Privée (ACEP) was launched by the Cameroonian State with the help of the French Development Agency and the European Union in 1999 to provide microfinance services to poor entrepreneurs in urban areas. In September 2005, ACEP Cameroon became a private microfinance institution, and has been one of the top five MFIs in Cameroon in the past few years (in terms of GLP). With a current portfolio exceeding USD$25 million, a staff of more than 150 people spread over 11 branch offices, and a well-tested methodology, ACEP is in a sustainable position to expand to new regions and serve more people.

ACEP’s mission is to contribute in an efficient way to the fight against poverty through microcredit loans to micro-enterprises. It focuses on urban entrepreneurs in the main economic centers of Cameroon: Yaoundé (political capital), Douala (economic capital) and Bafoussam. ACEP's primary loan product, called TPE, serves customers in need of working capital, money to purchase goods or equipment, or for business planning purposes. This loan product has an 18-month repayment cycle. ACEP also offers a group loan with similar terms, as well as a personal loan product for clients who deposit their paychecks with the bank.

With funds from Kiva lenders, ACEP is now providing an additional loan product tailored to low-income entrepreneurs working in urban markets. Since it serves a particularly vulnerable population, this Kiva loan product is smaller than ACEP's other loans, and is offered free of upfront service charges and obligatory savings, and with reduced penalties for late payments. In addition to these loan products, ACEP provides voluntary savings accounts as well as money transfers and overdraft protection services. 


Repayment Performance on Kiva

    This Field Partner All Kiva Partners
  Start Date On Kiva Mar 29, 2012 Oct 12, 2005
Total Loans $865,725 $950,795,575
Amount of raised Inactive loans $0 $326,700
Number of raised Inactive loans 0 238
Amount of Paying Back Loans $285,625 $143,657,400
Number of Paying Back Loans 794 177,403
Amount of Ended Loans $580,100 $806,811,475
Number of Ended Loans 1,450 1,011,869
Delinquency Rate 3.55% 7.81%
Amount in Arrears $6,677 $7,339,006
Outstanding Portfolio $188,177 $93,952,068
Number of Loans Delinquent 70 18,170
Default Rate 2.95% 1.40%
Amount of Ended Loans Defaulted $17,112 $11,327,296
Number of Ended Loans Defaulted 113 32,592
Currency Exchange Loss Rate 0.42% 0.46%
Amount of Currency Exchange Loss $3,622 $4,326,176
Refund Rate 0.13% 0.62%
Amount of Refunded Loans $1,150 $5,912,425
Number of Refunded Loans 2 5,951

Loan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans to Women Borrowers 63.34% 75.25%
Average Loan Size $385 $400
Average Individual Loan Size $386 $632
Average Group Loan Size $445 $1,766
Average number of borrowers per group 2.2 7.8
Average GDP per capita (PPP) in local country $2,400 $5,888
Average Loan Size / GDP per capita (PPP) 16.04% 6.79%
Average Time to Fund a Loan 1.67 days 6.93 days
Average Dollars Raised Per Day Per Loan $231.11 $57.66
  Average Loan Term 12.34 months 11.11 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 159 495,157
  Journaling Rate 9.62% 41.51%
  Average Number of Comments Per Journal 0.00 0.05
  Average Number of Recommendations Per Journal 0.00 1.18

Borrowing Cost Comparison (based on 2014 data)

    This Field Partner Median for MFI's in Country All Kiva Partners
  Average Cost to Borrower 25% PY 13.00% PY 26.03% PY
  Profitability (return on assets) 3.2% -0.2% -0.81%
  Average Loan Size (% of per capita income) 210.10% 161.00% 17.16%

Country Fast Facts

Field Partner Staff

ABALI ABALI
eric akabinaba
ESEPOU DIKOUME Annette
Guylene BIDIMA
Claude BILOA
Christelle DAYO
sebastien didier ekoa nkoa
raphael berenger eloundou mvondo
nguefack ermance
Rosalie ESSAMA YENE
Fatimatou GHOM NJOYA
Vincent De Paul Gounou
Alice JIAZET DONGMO
NSANGA Joelle Amélie
ERIC KOUAYI
emilienne makongue
Jean Rodolphe MAPFOUNDOUR
charlotte massa
Rosine MBALLA
Alvine MEGNI
marcellin mfegue
Simplice MIKAM
Arouna MOFIT
Rosette NANA
seraphin nana
jeannette patience ndongo doualla
Lydie NKE ABE
Parfait NKOLO
Alain Georges Nkou
Rabi Nsangou
Rachel NTSAMA
Estelle NYANGONO
Jean Roger Zombo