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We Believe We Self Group
In this Group: Memunatu, Rugiatu, Rugiatu , Josephine
Memunatu K. (pictured on the left) is the leader of this group of entrepreneurs. Memunatu was born in Makeni city about 32 years ago. She is married to a teacher and the couple has three children who are attending school. For seven years now, Memunatu has been selling gara lappers (locally dyed cloths) and slippers.

This is not the first loan that Memunatu and her group members have applied for from SMT/Kiva lenders. However, with the help of this new loan, they will be able to further expand their businesses, make more sales and consequently improve on their living conditions. Memunatu will use her share of the loan (SLL 800,000) to expand her business. She will buy gara lappers making materials like caustic soda, powder, inks, white cotton cloths, etc. in order to produce a larger quantity of gara cloths. She will also buy dozen of slippers to add to her business.

(Attached to this photo is a snapshot of a borrower, Rugiatu K., who was not able to be present for the group photo).

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.

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.

About Sierra Leone

  • $2,100
    Average annual income
  • 29
    View loans »
    Sierra Leone Loans Fundraising
  • $9,391,500
    Funds lent in using Kiva
  • 4,075.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A portion of We Believe We Self Group's $800 loan helped a member to buy gara lapper making materials (caustic soda, powder, inks, white cotton cloths, etc) and slippers to add to her business.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Oct 12, 2010
Oct 22, 2010
Currency Exchange Loss:
Oct 18, 2011