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Cecilia is a 57-year-old woman. She is a widow and the mother of some children. She is involved in retail and sells fresh produce (tomato, okra, vegetables, cassava, plantains), depending on the season, at a local market. She has been involved in this activity for 20 years.

Cecilia knows her suppliers and also her customers particularly well, as she has built her customer base over time, thanks to her experience in this field. However, because of her small capital, she always has to sell all her stock of merchandise before she can buy more goods. As a consequence, she is constantly out of stock.

Cecilia would like to increase her stock of food products and buy bulk quantities of produce, which will not only increase her sales but also her profits.

She plans to reinvest part of her profits in her business, in order to expand it. She will use the rest of the money to meet the needs of her family.
View original language description ↓
Cecilia est une femme de 57 ans veuve mère de famille. Elle est commerçante et fait la vente en détail des vivres frais( tomates, gombo, légumes, maniocs, plantains) en fonction des saisons dans un marché de la place depuis 20 ans. Elle a une bonne connaissance des fournisseurs, et surtout de sa clientèle qu'elle a acquise au fil du temps grâce à son expérience dans ce domaine. Mais elle se retrouve constamment en rupture de stock parce qu'elle est obligée de faire écouler tous le stock pour pouvoir s'en procurer à nouveau ceci à cause de la petitesse de son capital. Elle souhaiterai augmenter son stock de vivres en achetant en gros ceci augmentera non seulement ses ventes mais aussi son bénéfice. Bénéfice qu'elle réinvestira en partie dans son activité pour l'agrandir et le reste lui permettra de subvenir aux besoins de sa famille.

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
  • 3
    View loans »
    Cameroon Loans Fundraising
  • $1,191,350
    Funds lent in using Kiva
  • 504.0
    Communauté Financière Africaine Francs BEAC (XAF) = $1 USD

Success!! The loan was 100% repaid

A loan of $400 helped Cecilia to increase her stock of plantain crates.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Apr 26, 2013
Jun 20, 2013
Currency Exchange Loss:
Sep 4, 2014