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Watch U Naiba Group
In this Group: Memunatu , Marie , Kadiatu , Aminata , Rugiatu
Memunatu is the featured leader of this group of entrepreneurs. Memunatu was born in Makeni city in northern Sierra Leone 42 years ago. She is married to a businessman, and the couple has three children who are attending primary and secondary school.

For 10 years now, Memunatu has been selling soft drinks, ginger, plastic water bottles, etc. This is the first loan that Memunatu and her group members have applied for from SMT/Kiva lenders. With the help of this loan, they will be able to expand their respective businesses, make more sales and consequently improve upon their living conditions. Memunatu will use her share of the loan (500,000 SLL) to expand her business. She will buy crates of drinks, bundles of plastic water bottles, dozens of ginger, etc. to resell.

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
  • 54
    View loans »
    Sierra Leone Loans Fundraising
  • $9,327,250
    Funds lent in using Kiva
  • 4,329.9
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A portion of Watch U Naiba Group's $600 loan helped a member to buy crates of drinks, bundles of plastic water bottles, dozens of ginger, etc. to resell.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Aug 21, 2013
Sep 15, 2013
Currency Exchange Loss:
Dec 17, 2013