A loan of $650 helped to purchase secondhand clothes for resale.

Justine's story

Justine A. was born in1975, she is single and she has two children. She lives at Ntamulung Junction a quarter in Bamenda North West Region of Cameroon.

Justine, as any other entrepreneur, has faced significant challenges in life. She has suffered terribly in the hands of ill health; poverty has been her major difficulty in life, and the inability to raise capital for business projects. She plans to invest this loan in her marketing business in which she plans to buy and sell clothes and assorted dresses for resale. She believes the business will succeed because she has been in the business for a long time. She also thinks her approach to her customers will be welcoming and hence lead to the success of her business. She has also put in place factors that will ensure the success of her business like getting her business advertised at cheaper rates. With this loan she will be able to support her community firmly in improving their standard of living and social interaction, not forgetting decent appearance. The inhabitants of her locality will also benefit from low transportation costs which would have been incurred in distant places.

Justine will plough back her profit into her business and use part to care for her family. She also will use the proceeds to expand her business and save for rainy days. She prefers GHAPE because of the training she frequently receives and the low cost in obtaining and paying back a loan.

About GHAPE:
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

Lenders and lending teams

Loan details