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Julienne is a 34-year-old woman who is single and the mother of 3 children aged between 7 and 22. She is a retailer and has been selling seasonal fresh food (cassava, macabo - a tuber similar to taro root - and yams) at a local market for the past 16 years. She knows her suppliers well and she knows her customers, whom she has acquired over time thanks to her experience, especially well. Unfortunately, she constantly suffers from stock shortages because she is forced to sell all of her merchandise before being able to buy new stock because of her limited capital. She would like to increase her inventory of fresh food so that she is better able to satisfy the continuous demand of her clientèle without suffering from stock shortages. She plans to save her profit so that she is able to expand her business and meet her family's needs.
Julienne est une femme de 34 ans célibataire mère de 3 enfants de 7 et 22 ans. Elle est commerçante et fait la vente en détail des vivres frais (maniocs, macabos, ignames) en fonction des saisons dans un marché de la place depuis 16 ans. Il a une bonne connaissance des fournisseurs, et surtout de sa clientèle qu'elle a acquise au fil du temps grâce à son expérience dans ce domaine. Mais elle se retrouve constamment en rupture de stock parce qu'elle est obligée de faire écouler tous le stock pour pouvoir s'en procurer à nouveau ceci à cause de la petitesse de son capital. Elle souhaitera augmenter son stock de vivres frais ce qui permettra de mieux satisfaire la demande constante de sa clientèle et d'éviter les ruptures de stocks. Elle économisera son bénéfice pour non seulement agrandir son activité mais aussi subvenir aux besoins de sa famille.

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
  • $1,301,275
    Funds lent in using Kiva
  • 479.4
    Communauté Financière Africaine Francs BEAC (XAF) = $1 USD

Success!! The loan was 100% repaid

A loan of $325 helped Julienne to buy fresh food (cassava, macabo and yams).
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Dec 23, 2013
Jan 13, 2014
Currency Exchange Loss:
Apr 11, 2015