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Josiane Carole
Josiane is a 39-year-old married woman, and mother of six children between the ages of seven and twenty years old. She has her small shop in a corner of the city. There, she has been selling basic necessities for the past seven years. Thanks to her energetic personality and her expertise in this field, Josiane has amassed an ever-growing clientele whose demands she can no longer satisfy.

To overcome this problem, she is seeking a loan from ACEP Cameroun so that she can increase the stock of goods she has on hand. She plans to purchase rice, flour, butter, chocolate, and powdered milk among other things. With this increase in her supplies, Josiane will be able to increase her sales as well as her income. This loan will enable her to expand her business into a larger shop, as well as to meet the educational needs of her children.
View original language description ↓
Josiane est une femme mariée de 39 ans, mère de 6 ans dont l'âge du premier est 20 ans et le dernier est 7 ans.
Elle detient une petite unité dans un coin de la ville où elle vend des produits de premières necessités depuis 7 ans. Grace à son dynamisme et sa compétence dans ce domaine, elle s'est fait une clientèle grandissante qu'elle n'arrive plus à satisfaire. Afin de palier à ce problème, elle voudrait ce crédit afin de s'approvisionner en quantité suffisante pour augmenter le stock de ses marchandises (riz, farine, beurre, chocolaté, lait en poudre etc...)et de ce fait ces ventes et marges bénéficiaires. Ces bénéfices lui permettront d'agrandir son activité en vue d'en faire une grande boutique, mais également de subvenir aux besoins (éducation) 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
  • 1
    View loans »
    Cameroon Loans Fundraising
  • $1,321,250
    Funds lent in using Kiva
  • 515.4
    Communauté Financière Africaine Francs BEAC (XAF) = $1 USD

Success!! The loan was 100% repaid

A loan of $150 helped Josiane Carole to purchase supplies (including rice, flour, butter, chocolate, and powdered milk), for resale in her shop.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Oct 30, 2012
Nov 15, 2012
Currency Exchange Loss:
Jun 22, 2013