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Florence Nyoh
Florence Nyoh Forbang is thirty-three years old, one of two wives in a polygamous marriage, and the mother of two young children. Like many in Cameroon, the greatest difficulties Florence faces are family death and poor health, stemming from poverty. Though young, she says that she suffered from a long period of sickness, although she has now recovered. Her son, too, was sick and required an operation, which Florence was able to afford only because of her membership in GHAPE. Lastly, Florence lost her sister, who left behind a sick child who Florence cared for until he too passed away.

Despite hardship, Florence has fought for her health and for the well-being of her family. She joined GHAPE in 2002 and has invested and repaid four loans. She runs a small general store and loans from GHAPE have helped to stock the store, and just last year, add a bar where she sells beer and other beverages. Her profits have helped her to improve her crop farm, start rearing pigs, buy a plot of land, and lay the foundation for an addition to her family compound.

Florence now requests this loan to add to her various businesses. She plans to stock drinks in her bar, stock basic items in the store, add more piglets, buy bulk pig feed, and buy planting seeds for her farm. A chunk of the loan Florence wants to lend to her husband, who sells petrol. She says both of their businesses will succeed, because of hard work and location. The family lives right in the center of their village, so petrol sales are easy, and customers frequent her shop and bar. Florence will use the profits from her business to pay for her children’s school fees, take care of feeding her family, and care for her elderly grandmother.

She plans to repay her loan in 24 months and the first installment repayment will be due on the fourth month following disbursement.

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
  • 415.4
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD