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Delphine is a 49-year-old divorced mother of 4 children between the ages of 15 and 23 years old, all of whom attend school. She also has 5 other dependents under her care. She has been a shopkeeper in a neighborhood of the capital for 6 months. Delphine sells firewood and food products (rice, groundnuts, and fish) depending on the season.

The high quality of her merchandise and her outgoing personality allow Delphine to attract and retain customers in a short amount of time. The growth of her customer base has meant supply has fallen short of demand, which is what prompts her need for a loan for her business. This loan will allow Delphine to increase her inventory (roughly one bag of rice, groundnuts, a package of fish, and firewood). This will enable her to avoid depleting her inventory, to satisfy her customers and to increase her profit margin.

The profits generated by this loan will be partially reinvested into Delphine's business in order to grow it, and the remainder will help her address various everyday issues.
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Delphine est une femme agée de 49 ans divocée mère de 4 enfants dont l'age varie entre 15 et 23 ans , tous sont scolarisés. Elle a aussi 5 autres personnes à sa charge. Elle commerçante et exerce son activité dans unn quartier de la capitale depuis 6 mois. elle vend le bois de chauffage, et des produits alimentaire (riz, arachide et poisson) en fonction des saisons. la bonne qualité de sa marchandise et sa sociabilité lui permis en peu de temps de conquérir et fideliser la clientèle. la croissance de sa clietèle rend l'offre inférieure à la demande d'où la necessité de crédit pour son activté. il lui permettra d'augmenter les stoks (un sac de riz, d'arachide, un carton de poisson et le bois de chauffage en gros). ceci afin d'éviter les rupture de stocks, de satisfaire sa clientèle et d'augmenter sa marge bénéficiaire. Les bénéfices générés par ce crédit seront réinvestis en partie dans son activté pour l'aggrandir et le reste l'aidra à resoudre certains problemes quotidiens

Additional Information

More information about this loan

This loan is part of ACEP Cameroun's new loan program targeting poor clients who require smaller loans thant ACEP normally disburses. The smaller loan size allows clients with micro-enterprises to borrow and repay the funds they need to grow. By supporting this loan, you are expanding financial access to entrepreneurs with very little starting capital, including many who have never taken out a loan.

About ACEP Cameroun

Agence de Crédit pour l’Entreprise Privée (ACEP) is Kiva's second Field Partner in Cameroon. Founded in 1999, ACEP has developed a strong lending methodology to serve entrepreneurs in Cameroon's urban centers such as Douala and Yaounde.

About Cameroon

  • $2,400
    Average annual income
  • 0
    View loans »
    Cameroon Loans Fundraising
  • $1,188,150
    Funds lent in using Kiva
  • 522.4
    Communauté Financière Africaine Francs BEAC (XAF) = $1 USD

Success!! The loan was 100% repaid

A loan of $200 helped Delphine to purchase food products (bags of rice, groundnuts, and a package of fish) and firewood.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Aug 20, 2012
Aug 29, 2012
Currency Exchange Loss:
Mar 15, 2013