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Musa
This loan for Musu M. was orginally posted for $1050 with a default loan term of 1 month. The loan term should have been 12 months. SMT apologizes for this error. The loan was disbursed as scheduled and her first payment made. SMT is now reposting the loan for the balance of 11 months of the original term at $975.

SMT appreciates your patience as we continue to provide microcredit services to the economically active poor of Sierra Leone.



Musu M., a 31 year old mother of four children is a very dynamic woman. Musu and her husband learned soap-making skills in one of the local skills training centers. She manages a soap production business with eight employees and her husband assists with selling the product in the remote villages of Sierra Leone. The soap is made out of palm oil, caustic soda and some colors. Musu can produce more than 2,000 pieces of soap a week and distributes them to retailers in various villages. It takes a week to complete the selling and then her husband collects the cash for another round of production. This means Musu has to wait for more than a week before she can produce more soap. Musu will use the loan funds for more raw materials to ensure flow of production without waiting for sales to be completed.

Additional Information

About Salone Microfinance Trust (SMT)

Salone Microfinance Trust (SMT) is Kiva’s oldest field partner in Sierra Leone. SMT began operations in 2002 as a microcredit program of the NGO Child Fund Sierra Leone under a USAID program to assist the reintegration of ex combatants back into their communities. Today, SMT offers group, agricultural, individual and salary loans to micro-entrepreneurs through six branches and one sub-branch in rural, urban, and peri-urban areas. By providing small loans and other financial services, SMT empowers poor clients to generate more income to help their families, improve their wellbeing, and create a more vibrant private small-business sector in Sierra Leone.

About Sierra Leone

  • $2,100
    Average annual income
  • 57
    View loans »
    Sierra Leone Loans Fundraising
  • $9,327,250
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD