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Yondembeh Group
In this Group: Ramatulia , Jalia , Siray
Siray is the leader of this group of entrepreneurs. Siray was born in Kabala town, 42 years ago. She is married and the couple has 4 children. For more than 10 years, Siray has been selling ready-to-wear-clothes and different types of cloth (such as Bamako cloths, a type of cloth dyed in Mali, and wax cloth).

With the help of this loan, Siray and her group members will be able to expand the size and improve the quality of their respective businesses. They hope the loans will lead to more sales, better profit, and, consequently, improvements in their standards of living. Siray is going to use her share of the loan to buy clothing and cloth in large quantities to add to her current stock.

(Attached beneath the photo is Ramatu, a borrower who was not 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
  • 32
    View loans »
    Sierra Leone Loans Fundraising
  • $9,391,500
    Funds lent in using Kiva
  • 4,339.2
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A portion of Yondembeh Group's $1,000 loan helped a member to buy clothing and cloth in large quantities to add to her current stock.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Nov 12, 2012
Dec 10, 2012
Currency Exchange Loss:
Oct 18, 2013