A loan of $1,100 helped purchase of motorcycle, documentation and licensing.

Ngwa's story

Ngwa T. W. is a 65-year-old father of eight. He has been with GHAPE since 1999, and has been able to take out nine separate loans to be able to support his pig and fowl raising activities. For the first time, T. is looking to start another business as a motorcycle taxi driver, a rather profitable business in the area.

T. will use this motorcycle to take community members throughout the area to and from their homes and places of business, and will also aid in taking their produce to market. This activity is sure to succeed, T. thinks, because he will be the driver of this bike himself, rather than paying other people to take care of the machine and drive people around. With this being the case, he will be riding the bike more carefully than other people, working harder, while also being able to cut down on the maintenance needs of the bike.

As he generates profits from this activity, T. will be using the money to invest in the education of his children, and also to improve on his family's living conditions.

Originally coming to GHAPE, T. saw that they were one of the best options for providing credit in the area, as they have lower interest rates, more agreeable terms on their loans, and a payment plan that is not very stressful. In addition to this, T. has been able to enjoy GHAPE training on how to manage his business, his money, and also on how to operate in his family life and day to day dealings with other people.

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 instills 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.

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