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Lum is married with seven children, and they live in a two-bedroom apartment house in Bamenda, North West Region of Cameroon. She has faced so many challenges in life, among which are inadequate finances to carry out her business, unwanted pregnancy, early marriage, dropping out of school and theft.

With the new loan she has requested, she will expand her business by buying more plastic drainers, cups, buckets, bowls, carrots, green beans, cabbages and tomatoes. She is positive this business will succeed because she has been doing it for over six years and has experience. She has a good business site, and she has steady customers who buy her products. At the business, the community will buy household items at cheaper prices.

With the profit from this loan, she will educate her children, provide three square meal to them on a daily basis, expand her business and save some in order to undertake bigger investments. She prefers GHAPE loans because of the low interest rates and convenient 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
  • 498.3
    Communauté Financière Africaine Francs BEAC (XAF) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Lum to buy plastic cups, buckets, bowls, drainers, carrots, green beans, cabbages and tomatoes.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
May 16, 2013
May 14, 2013
Currency Exchange Loss:
Dec 17, 2014