Kiva conducts regular, ongoing monitoring of all Field Partners, but only posts status updates here in response to relevant, major changes at the partner.

Status update — October 8, 2018

GHAPE has suspended operations due to ongoing violent conflict in the areas of northwest and southwest Cameroon that it serves. Since GHAPE is unable to contact many borrowers or hold meetings out of concern for staff and borrower safety, the organization is unable to collect repayments at this time. For the time being, Kiva is suspending repayments from GHAPE until they can resume normal operations. Thank you for your understanding and compassion.

Original 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

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.

Repayment Performance on Kiva

    This Field Partner All Kiva Partners
  Start Date On Kiva Feb 18, 2007 Oct 12, 2005
Total Loans $978,750 $1,451,478,700
Amount of raised Inactive loans $0 $1,225,950
Number of raised Inactive loans 0 246
Amount of Paying Back Loans $236,575 $148,369,975
Number of Paying Back Loans 613 169,375
Amount of Ended Loans $742,175 $1,301,882,775
Number of Ended Loans 1,546 1,706,896
Delinquency Rate 99.20% 21.61%
Amount in Arrears $152,518 $20,695,832
Outstanding Portfolio $153,754 $95,757,787
Number of Loans Delinquent 613 72,467
Default Rate 0.33% 1.73%
Amount of Ended Loans Defaulted $2,435 $22,469,414
Number of Ended Loans Defaulted 7 54,461
Currency Exchange Loss Rate 0.39% 0.40%
Amount of Currency Exchange Loss $3,849 $5,838,315
Refund Rate 1.36% 0.63%
Amount of Refunded Loans $13,325 $9,156,125
Number of Refunded Loans 24 8,490

Loan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans to Women Borrowers 73.50% 76.69%
Average Loan Size $454 $395
Average Individual Loan Size $454 $610
Average Group Loan Size $0 $1,774
Average number of borrowers per group 0 7.8
Average GDP per capita (PPP) in local country $2,400 $5,729
Average Loan Size / GDP per capita (PPP) 18.94% 6.89%
Average Time to Fund a Loan 2.84 days 7.45 days
Average Dollars Raised Per Day Per Loan $160.04 $53.02
  Average Loan Term 17.99 months 11.37 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 645 912,350
  Journaling Rate 20.04% 43.89%
  Average Number of Comments Per Journal 0.64 0.03
  Average Number of Recommendations Per Journal 12.76 0.70

Borrowing Cost Comparison (based on 2016 data)

    This Field Partner Median for MFI's in Country All Kiva Partners
  Average Cost to Borrower 20% PY 13.00% PY 25.38% PY
  Profitability (return on assets) 7% -0.2% -1.40%
  Average Loan Size (% of per capita income) 18.40% 161.00% 12.34%

Country Fast Facts

Field Partner Staff

Megan Chapman
Goden Chia
Gemoh Clovis Afanui
Meli Emmerencia T
Loveline Neh