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Bineba
R. Bineba is the mother of four children. She lives in Ntamulung, Cameroon.

She has been with GHAPE since 2004 and has demonstrated a credit-worthy character exemplified by her repayments, consistent attendance at meetings, and support of her borrowing group.

R. never had the opportunity to go to school because her parents could not afford her fees and needs, so she resorted to becoming a farmer in her youth. Sadly, her father finally died in 1990 and monkeys ate all her crops last year. She was financially down, but with the management skills she acquired from GHAPE, she was able to repay her loan.

With this latest loan, R. is hoping to continue the business supported by her prior loans and add a motorbike business. She has requested a loan to purchase a motorbike and a few seedlings. The seedlings will eventually be farmed during the rainy season. R. is confident that her business will succeed, because her business has been successful for a long time.

She hopes to use the profits from her business to provide for the various needs of her family. As the sole provider for her family of four, R. hopes to increase her profits so she has enough to pay for her children’s school fees and provide for her family’s nourishment.


About GHAPE:

R.'s loan will be provided by Grounded and Holistic Approach to People's Empowerment (GHAPE), 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 instills 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.

Additional Information

Important Information


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

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    Average annual income
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    Communauté Financière Africaine Francs BEAC (XAF) = $1 USD