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Yoni Group
In this Group: Mohamed, Wara, Kadiatu, Namina
This loan group is called Yoni, which is also the name of their village. Yoni is about 40 miles from Makeni, capital of the Northern Province. Many people choose to live in or near Makeni because it is the most prosperous town in the north and a good place to do business. The members of the Yoni group are: Mohamed K., Wara K., Kadiatu F. and Namina B.. Each runs a different kind of business. Their leader, Mohamed K., sells biscuits, mints, medicines and other items. He is 55 years old. Mohamed's wife is also a business woman. They have four children, two in secondary schools and two are in primary schools.


Mohamed has been in business for 18 years. But when he started getting loans from SMT two years ago, he experienced a vast improvement in his personal and business life. Today, his primary goal is to complete construction of a house he had started building when rebels from the Revolutionary United Front (RUF) destroyed it. Despite this setback, Mohamed's greatest challenge is lack of capital. He will use his portion of the loan to buy items he currently needs for his shop, such as rice and sugar.

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

  • $903
    Average annual income
  • 4
    View loans »
    Sierra Leone Loans Fundraising
  • $8,868,550
    Funds lent in using Kiva
  • 2,947.2
    Sierra Leone Leones (SLL) = $1 USD