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Bertrand is a 43-year-old man, married, and the father of four children, from 6 to 14 years old. All of the children go to school. Bertrand has been a merchant at a market in the capital for six months. There, he sells dried staple foods (peanuts, beans, salt, …) With this small business, he is supporting his small family. His business is operating, but he has just one problem involving capital funds that prevents him from purchasing large amounts of goods to sell. He is compelled to purchase one or two sacks at a time, wait until they are sold, and then make his purchases again.

Thanks to this loan, Bertrand will be able to purchase more sacks of goods enabling him to satisfy his customers better and to increase his sales and thus his profits. He will reinvest part of his profits into his business by adding sacks of rice and peanuts. And he will save the rest for his children's education.
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Bertrand est une homme de 43 ans marié père de 4 enfants dont l'age varie entre 6 et 14 ans tous vont à l'école. Il est commerçant dans un marché de la capitale depuis 6 mois ou ilvend les vivres secs (arachide, haricot, sel...), c'est grâce à ce petit commerce qu'il subvient aux besoins de sa petite famille. Son commerce fonctionne mais il a juste un problème de capital qui l'empêche d'acheter des quantités importantes pour revendre, elle est obligé d'acheter à chaque un ou deux sacs, d'attendre qu'elle finisse de vendre pour acheter à nouveau. Grace à ce crédit, il pourra acheter plusieurs sacs, ce qui lui permettra de mieux satisfaire sa clientèle, augmentera ses ventes et dont ses bénéfices. Il réinvestira une partie du bénéfice que lui apportera ce crédit dans son activité en ajoutant les sacs de riz et d'arachide,et économisera l'autre pour la scolarité de ses enfants

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
  • $1,321,250
    Funds lent in using Kiva
  • 501.0
    Communauté Financière Africaine Francs BEAC (XAF) = $1 USD

Success!! The loan was 100% repaid

A loan of $400 helped Bertrand to increase his stock of peanuts, beans, and salt.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Oct 12, 2012
Oct 18, 2012
Currency Exchange Loss:
Oct 17, 2013