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Born in 1956, Julie S. is married to a polygamist and is the mother of seven children. The problems usually associated with polygamous families led to her mal treatment. She has to work very hard to fend for herself and her children. Motivated by this, she became a GHAPE member in 1998. Before receiving her first loan she was trained in business management, marketing techniques and credit discipline. Since 1998, she has been able to invest and repay loans up to $1000 with which she raised money to buy food and to pay school fees and apprentice fees for her children.

Given a loan of $1200, she plans to buy a motor bike and do transportation business. The motor bike will be driven by her son who has experience in the motor bike business. She believes the business will be lucrative as she has been trained by GHAPE in business skills and it is a faster source of transportation especially on poor roads. With this, she will raise money to educate her children in formal and vocational schools. She plans to pay her loan in 24 months. First loan repayment installment shall be made on the fourth month from the date of disbursement of the loan.

Additional Information

Important Information

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.

About Cameroon

  • $2,400
    Average annual income
  • 4
    View loans »
    Cameroon Loans Fundraising
  • $1,304,200
    Funds lent in using Kiva
  • 500.4
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Julie julie would like to purchase a motor bike for her son to start a transportation business to provide for their family.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Oct 15, 2007
Oct 1, 2007
Currency Exchange Loss:
Sep 15, 2009