Status update - October 22, 2013

Kiva has changed the due diligence type attributed to GHAPE from Full to Basic to reflect the level of due diligence that we have been able to perform at the organization. Though Kiva staff have visited GHAPE several times -- as is standard with our full due diligence process -- due to the organization's size and systems, it does not meet our minimum requirements for a full due diligence. However, GHAPE does meet our requirements for a basic due diligence, and has been a loyal Kiva partner working hard to bolster livelihoods among its vulnerable clients since 2007.

Partner Description:

Grounded and Holistic Approach to People's Empowerment (GHAPE) is a registered non-governmental, not-for-profit and apolitical organization dedicated to poverty alleviation in Cameroon, West Africa. GHAPE believes poverty is one of the oldest diseases known to mankind, and that it is a "germ" caused by the vast greed of this world. Bernadette A. Ngoh founded GHAPE in October 1998 in order to help fight this disease and improve the plight of the world's unfortunate class, "the poor."

GHAPE’s mission is to make credit accessible to the bottom fifty percent (50%) of those living below the poverty line. By providing credit that can be used for investment in income-generating activities, GHAPE works to improve its client's quality of life and, in doing so, make the world a better place. All of GHAPE's activities are geared towards sustainable poverty alleviation.

Client Assessment: Targeting the poor remains a central issue in poverty alleviation policies and programs. In seeking to serve the poorest of the poor, GHAPE has developed the Basic Needs Test (BNT), a poverty measurement and targeting tool used for screening eligibility into GHAPE's programs. The BNT is constructed under the premise that the basic needs of life - food, water, shelter, clothing, lighting, health and education - are universal. The BNT is adaptable to the realities of each community GHAPE serves, and it is designed to reflect the gravity of each basic need component. The application of the BNT is also participatory.

Program Design: The problems facing the poor, especially poor women and young people, are multiple and interrelated. Because of this, GHAPE has developed an innovative poverty alleviation package, Empowerment Credit (EC), which contains the fundamental empowerment resources required to fight abject poverty. Included in EC are trainings (business development service), credit and social education. To guarantee sustainability and maximize GHAPE's scarce resources, this package is administered sequentially, and it simultaneously meets the current and emerging needs of borrowers.

The attributes of GHAPE's EC program design are simple and straightforward:

1) The BNT is used to determine eligibility.

2) Five self-chosen eligible individuals form a group.

3) Eight groups form a center.

4) Individuals within groups are given loans for self-chosen activities for which they have received training.

Program Reach: GHAPE Loans have been disbursed to over 1160 borrowers, and amounts range from $30 to $800. Repayment rate has remained 100% since inception. Loans have been invested in groceries, food cultivation, vegetable gardening, poultry, pig and goat farming, tailoring, embroidery, restaurants and mobile snacks vendors.

A unique approach to lending:

The demand for GHAPE services has continued to increase. Today GHAPE is faced with many challenges such as inadequate credit funds, training materials and computers, poor accounting software. GHAPE's partnership with Kiva, however, is a powerful step towards becoming a stronger and more sustainable organization.

You can contact GHAPE at info@ghape.org


Kiva HelpRepayment Performance on Kiva

    This Field Partner All Kiva Partners
  Start Date On Kiva Feb 18, 2007 Oct 12, 2005
Total Loans $545,275 $540,185,700
Amount of Raised Inactive Loans $0 $365,925
Number Of Raised Inactive Loans 0 252
Amount of Paying Back Loans $87,175 $111,883,875
Number Of Paying Back Loans 172 115,751
Amount of Ended Loans $458,100 $427,935,900
Number Of Ended Loans 871 549,722
Delinquency Rate 0.00% 3.26%
Amount In Arrears $0 $2,377,834
Outstanding Portfolio $53,001 $72,977,849
Number of Loans Delinquent 0 10,580
Default Rate 0.42% 1.01%
Amount of Ended Loans Defaulted $1,924 $4,332,252
Amount of Ended Loans $458,100 $427,935,900
Number Of Ended Loans Defaulted 6 14,039
Currency Exchange Loss Rate 0.00% 0.06%
Amount of Currency Exchange Loss $0 $298,028
Refund Rate 1.60% 0.82%
Amount of Refunded Loans $8,750 $4,417,000
Number Of Refunded Loans 18 4,864

Kiva HelpLoan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans To Women Entrepreneurs 76.68% 74.10%
Average Loan Size $522 $417
Average Individual Loan Size $522 $656
Average Group Loan Size $0 $1,814
Average Number Of Entrepreneurs Per Group 0 8
Average GDP Per Capita (PPP) in Local Country $2,421 $3,462
Average Loan Size / GDP Per Capita (PPP) 21.57% 12.06%
Average Time To Fund A Loan 0.52 days 5.29 days
Average Dollars Raised Per Day Per Loan $1,001.68 $78.89
  Average Loan Term 17.76 months 10.05 months

Kiva HelpJournaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 639 269,088
  Journaling Rate 47.68% 42.08%
  Average Number Of Comments Per Journal 0.65 0.09
  Average Number Of Recommendations Per Journal 12.88 2.06

Kiva HelpBorrowing Cost Comparison (based on 2011 data)

    This Field Partner Median for MFI Peers in Country All Kiva Partners
  Portfolio Yield 22.50% 15.80% 34.93%
  Profitability (Return on Assets) 5.6% 4.9% -1.11%
  Average Loan Size (% of Per Capita Income) 18.40% 115.60% 42.70%

Kiva HelpCountry Fast Facts

Field Partner Staff

NGUM ETEL AWAH
Bridget Bih
Donald Che
Joan Mary Mbu
Kenneth Ndi
Loveline Neh
Ngum Solange
HARESH TAKOH
HARESH TAKOH
RICHARD TOOH