Nayah Odilia Chia

She is confident that her polite and welcoming manner will mean that her customers will continue to purchase her items. Odilia is well presented and proud of her clean premises. With the profits from this loan, Odilia will reinvest in her business, help to pay her children’s school fees, support her husband in his business, and help her daughter to start a business.

This is Odilia’s second loan; she has been a member of GHAPE since 2007. Odilia is happy to be taking out a loan with GHAPE as they have educated her on how to use her money, while still providing her with a low interest rate. She hopes to pay her loan quicker than the loan term so that she can continue to increase her loan amount with GHAPE.

The Grounded and Holistic Approach to People's Empowerment (GHAPE) is a non-profit NGO based in Bamenda, Cameroon. GHAPE works towards the empowerment of the poor and poverty alleviation through a highly multi-faceted approach. Every client is trained in business management, basic health, life skills, financial management, profits and losses, and family values. Clients are also required to contribute a small amount into a personal savings account; most clients save much more than the minimum requirement. GHAPE instils a sense of family and community within its clients and staff and has developed a strong bond of trust between the organization and its clients.