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Emerencia
Emerencia T. is married to Ngwa Michael and they have five children, three of whom are below the age of fifteen years. This will be Emmerencia’s fourth loan with GHAPE. Emerencia and her family live in a three room house in the Nkwen neighborhood. Nkwen just outside downtown Bamenda. She is the bread winner of the family, and she finds it very difficult to take care of the family single handedly. In addition, she sustained serious injuries after being robbed by thieves. Faced with her low level of education, she could not secure a good job for herself and thus she embarked on farming and retail trade which she has been doing for 10 years.

Becoming a member of GHAPE, she was fortunate enough to have acquired some techniques which have helped her to improve her business. She has proven successful with her previous loans, which she had consecutively managed, and repaid loans worth $930 USD. She is planning to contribute 70,000 CFA ($140 USD) of her personal savings towards this business plan.

She will help her community as she will be able to supply the market with food crops like cassava and vegetables, and she will also provide the community with good palm oil. She intends to pay her children’s school fees and health costs with the profit from this loan, as well as reinvest in her business. She plans to repay the loan in 18 months and repayment shall commence on the fourth month from the date of disbursement.

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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.

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    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD