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Penn Pauline
Penn Pauline is married, with four children, and they live in a seven-bedroom apartment in the Bamenda Mezam Division of the North West Region of Cameroon.

Penn Pauline has faced many challenges in life, among which are the death of her sister in the labor room, during delivery; the death of her brother after a severe sickness; and inadequate capital to setup and finance a business of her own.

Nine times, Penn Pauline has taken and repaid her loans and she says that, with the new loan requested, she will expand her firewood, beans, groundnuts, egusi, rice, and groundnut oil sales in her quarter. She is positive this business will succeed because she has been doing it for a long time, has experience, knows the techniques of the business, and the demand for firewood in her locality is very high.

With the profit from the loan, Penn Pauline will educate her children, take care of her family's medication, and cater for other family needs. She says a Grounded and Holistic Approach for People's Empowerment (GHAPE) loan is preferable because of low interest rates on loans and gradual repayment intervals.

Additional Information

Important Information

About Grounded and Holistic Approach to People's Empowerment (GHAPE)

This loan is administered by Grounded and Holistic Approach to People's Empowerment (GHAPE), a non-profit non-government organization based in Bamenda, Cameroon. GHAPE takes a multi-faceted approach in working towards the empowerment of the poor and poverty alleviation. 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 instills a sense of family and community among its clients and staff and has developed a strong bond of trust between the organization and its clients.

About Cameroon

  • $2,400
    Average annual income
  • 0
    View loans »
    Cameroon Loans Fundraising
  • $1,321,250
    Funds lent in using Kiva
  • 504.5
    Communauté Financière Africaine Francs BEAC (XAF) = $1 USD

Success!! The loan was 100% repaid

A loan of $800 helped Penn Pauline to expand her firewood, beans, groundnut, egusi, rice, and groundnut oil business.
100% repaid
Repayment Term
25 months (Additional Information)
Repayment Schedule
Mar 21, 2013
Mar 12, 2013
Currency Exchange Loss:
Nov 17, 2014