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Thirty-seven year old T. has been suffering from unemployment for a long time due to the poor nature of his academic background. He lost his father at the age of fourteen and could not continue school due to financial difficulties, and that has rendered him jobless. T. is married and has four children, all of whom are still under the age of fifteen. He joined GHAPE in 2007 and received his first loan of 40,000FCFA ($80) which he invested in the retail sale of palm oil

With his second loan, he intends to extend his palm oil business and improve his grocery store. He foresees a good outcome from this investment because palm oil and salt are in highly demand for food. A lot of people come from nearby towns to buy palm oil and other things from T.. The profit that T. gets from the loan will be used to expand his store.



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.

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About Grounded and Holistic Approach to People's Empowerment (GHAPE)

This loan is administered by Grounded and Holistic Approach to People's Empowerment (GHAPE), a non-profit non-government organization based in Bamenda, Cameroon. GHAPE takes a multi-faceted approach in working towards the empowerment of the poor and poverty alleviation. 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 instills a sense of family and community among its clients and staff and has developed a strong bond of trust between the organization and its clients.

About Cameroon

  • $2,421
    Average annual income
  • 0
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    Cameroon Loans Fundraising
  • $1,161,000
    Funds lent in using Kiva
  • 469.9
    Communauté Financière Africaine Francs BEAC (XAF) = $1 USD