Pa Lucas T. is 68 years old, and has been a farmer all his life. He is married, and the father of seven children. Pa Lucas joined GHAPE in 2002 so he could expand and diversify his farming activities, and overcome the problems he has faced all his life: poverty, sickness and death. With his first four loans, Pa Lucas has moved beyond his main crop, coffee, by adding pigs, goats, additional farmland, and palm trees, which will soon start to produce palm nuts.
Now, Pa Lucas requests a loan that he will divide equally between three small farms where he grows coffee, palm nuts, and cassava. Asked why he thinks his business will succeed, he gives the best answer first: “It is a business that I like.” He has also been trained in good farming methods and has a lifetime of experience. With the profits from his business, Pa Lucas hopes to provide a better future for his children, who are mostly grown. “I will send my children for higher education, and I will buy them plots of land so they can begin their own farms.”
Pa plans to repay his loan in 18 months, with the first installment due the fourth month after disbursement, a GHAPE procedure to accommodate the agricultural season.
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.
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