A loan of $850 helped to buy oil, fowls and pigs.


Ngwa's story

Ngwa is 51 years old. She is married and has two children below 15 years of age. She lives in a seven bedroom apartment in Ntamulung, in Bamenda, Mezam Division of the North West Region of Cameroon. The major challenges she has faced in her life have been the lack of capital to start up her business, sicknesses in her family, the death of some close relatives like her elder sister and her aunts and uncles, and also when thieves broke into her house and made away with some of her valuables. She joined Kiva's partner, GHAPE, in 2005 and has received and successfully repaid empowerment credits (ECs) four times. She invested her past ECs into frying and selling gateaux and also into poultry farming. She used the profits from these past loans to cater to her family, sponsor her children in school and to support her husband in the construction of their family house. With the requested loan, she will stock up on red oil and vegetable oil, as well as buy fowls and pigs for her poultry and piggery. She strongly believes this business will be a success because she has so many customers already. This business activity will also be of great help to the community because it will increase the availability of ready-made food to the people in her area and their distance to the market will be reduced. With the proceeds from this loan, she will be able to provide for her family, pay her children’s school fees, and support her husband financially. She prefers a GHAPE loan because the interest rate is relatively lower and also because the monthly installment method of repayment is convenient to her.



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