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Neba Emilia
Neba Emelia M. was born in 1969. She is married to Neba Clement Ngwa and they are blessed with five children. She shares five rooms with her five children, where they live at Musang, a quarter in Bamenda North West Region of Cameroon.

Emelia has faced difficulties in life ranging from ill-health, the inability to meet her daily needs, and the untimely death of her relatives. Her failure to attain a quality education has contributed to her inability to afford basic necessities like lighting. With this loan, she plans to invest it in her food buying and selling business which she has had for several years. She is convinced that the business will succeed because she has a business strategy that is unique. She also thinks her business site has a lot to do with her success since it is located inside the main market of her village. Also, she sees her low price policy as a tool to capture customers which adds to her success in business. The loan will help her community because they will be able to afford foodstuffs at relatively low prices and will not need to incur the transport costs to buy food from distant places.

The profit from her loan will help her to take care of her children’s education. She will put back her profit into her business and use part of it to care for her family. She will use a fraction of the profit to pay for her children Meducation when they are sick and upgrade her standard of living. She prefers GHAPE because of the training she frequently receives, the follow up, and the low cost in obtaining and paying back a loan.


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

  • $2,400
    Average annual income
  • 0
    View loans »
    Cameroon Loans Fundraising
  • $1,180,425
    Funds lent in using Kiva
  • 511.6
    Communauté Financière Africaine Francs BEAC (XAF) = $1 USD