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She is married and has four children, and all living in a five-room apartment in Bamenda, Mezam Division, North West region of Cameroon. She has faced so many difficulties in life, some of which are the death of her child after spending so much money in the hospital, illnesses of her children, inadequate money to provide three square meals daily to her children or to pay for her children's education.

With the new loan, she will expand her business size by buying more foodstuffs, like beans, maize, Irish potatoes and yellow yams. Part of the loan will be reserved to cover transportation of the products, from the bush market to her business site. She believes her business will succeed, because of her longevity in the business, the high demand for foods such as beans and yams in the community, because she has a good business site and has regular customers who buy from her for resale and restaurant purposes. The community will benefit, because they will not have to go a long distance to buy food.

The profits from her business will help her to improve the housing conditions of the family, provide better education and health for the family, and expand her business. She prefers a loan from GHAPE because of the convenient repayment period, low interest cost, and the social education they provide.

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

  • $2,400
    Average annual income
  • 2
    View loans »
    Cameroon Loans Fundraising
  • $1,190,375
    Funds lent in using Kiva
  • 507.2
    Communauté Financière Africaine Francs BEAC (XAF) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Niba to purchase foods like beans and potatoes, and pay for transporting the produce to her sales location.
100% repaid
Repayment Term
25 months (Additional Information)
Repayment Schedule
Dec 18, 2012
Dec 11, 2012
Currency Exchange Loss:
Dec 17, 2014