A loan of $325 helped to buy firewood and ginger and to hire labor for land clearing.


Margaret's story

Margaret is a mother of four children and farms cassava, ginger and yams. Margaret’s farm is located in Bafut, an area in Bamenda, Cameroon. With this loan, she plans to buy labor to clear and weed her farm; firewood; ginger and yams for planting; as well as pay for transportation costs to get her produce to the market.


This is Margaret’s second loan from GHAPE since she became a beneficiary in 2008. Margaret believes her business is successful because, in her area, there is a high demand for cassava and ginger. Cassava is used to make local dishes such as garri (a fermented and fried cassava mash) and water fufu (fermented, boiled cassava). Ginger is popularly used to make soft drinks, like ginger ale, which are very strong.


Margaret has faced setbacks with her money, such as thievery in her home, stealing her money. She continues to push on with the help of her loans. As she sees profits, Margaret plans to add capital to her business, purchase text books for her children’s education and provide her family with their basic needs. She takes out GHAPE loans because of the preferable loan conditions and the valuable teachings on loan management.


The Grounded and Holistic Approach to People's Empowerment (GHAPE) is a non-profit NGO based in Bamenda, Cameroon. GHAPE works towards the empowerment of the poor and poverty alleviation through a highly multi-faceted approach. 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 instils a sense of family and community within its clients and staff and has developed a strong bond of trust between the organization and its clients.



Loan details


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Loan details