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Emmanuelle Murielle
Murielle is a 22-year old woman who has been working as a vendor in one of the capital city’s districts for one year. She has opened a stand where she sells phone recharge cards and other small items. She supports herself thanks to this work. This line of business brings profit when you have sufficient recharge cards. However, without sufficient capital she does not manage to earn a sizeable profit. She keeps running out of stock since she needs to [sell] everything in order to replenish her stock. As a result, her customers are disappointed and turn to competitors. This is why she is seeking a credit that will allow her to increase the volume of her phone recharge cards. She will save part of her revenues in order to pay for her studies, and the rest will be reinvested in her business to grow it further.
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Murielle est une jeune femmme de 22 ans commerçante dans un quartier de la capitale depuis 1 ans. elle a ouvert un call box dans le quel elle commercialise les crédits de communication et autres friandises c'est grace à cette activité qu'elle subvient à ses besoins. C'est une activité qui rapporte quand tu as assez d'unités de crédit de communication. mais sans à un capital important, elle ne parvient pas à réaliser un bénéfce important, elle a des ruptures permantes de stocks parce qu'elle obliger de tous pour pouvoir réacheter d'où l'insatisfaction constance de sa clientèle qui se tourne vers la concurence. C'est pour ces raisons qu'elle sollicte ce crédit qui lui permettra d'augmenter le montant de ses crédit de communication. Elle économisera une partie de ces bénéfices pour se réinscrir à l'école et le reste sera réinvesti dans son activté pour l'agrandir.

Additional Information

More information about this loan

This loan is part of ACEP Cameroun's loan program targeting poor clients who require smaller loans thant ACEP normally disburses. The smaller loan size allows clients with micro-enterprises to borrow and repay the funds they need to grow. By supporting this loan, you are expanding financial access to entrepreneurs with very little starting capital, including many who have never taken out a loan.

About ACEP Cameroun

Agence de Crédit pour l’Entreprise Privée (ACEP) is Kiva's second Field Partner in Cameroon. Founded in 1999, ACEP has developed a strong lending methodology to serve entrepreneurs in Cameroon's urban centers such as Douala and Yaounde.

About Cameroon

  • $2,400
    Average annual income
  • 0
    View loans »
    Cameroon Loans Fundraising
  • $1,320,725
    Funds lent in using Kiva
  • 524.4
    Communauté Financière Africaine Francs BEAC (XAF) = $1 USD

Success!! The loan was 100% repaid

A loan of $400 helped Emmanuelle Murielle to expand her stock of cell phone recharge cards.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Aug 22, 2012
Aug 27, 2012
Currency Exchange Loss:
Feb 17, 2014