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Njala Agriculture Research Group
In this Group: Fatmata B., Denis T., Abdulai, Konba A.m
These are staff of NARC – Njala Agricultural Research Center. There are eleven in their unit, and they are field workers. NARC was established by the government over twenty years ago. Then, it was called Institute of Agriculture Research. As the name suggests, NARC’s primary job is to carryout research for the improvement of planting materials. They teach farmers (the majority of whom are illiterate) new farming techniques and the use of new technologies and farming systems. They also teach people how to process food crops for consumption. In addition to these, they also plant and provide planting materials to farmers throughout the country. The major challenge they face in their work is the lack of willingness on the part of the farmers to come for training. Some of the farmers prefer doing their work in the old and primitive way.



This is the first time NARC (this Unit) is getting a loan from SMT. Others from NARC already got a loan from SMT months ago and successes stories of those loans have inspired this unit to also come for a loan.

Fatmata B. T. (left) is the leader of this group. Fatmata is twenty-eight years of age. She is single with two children. One is in class one and the other is not of school age. She was born in Yoni, Tonkolili district, northern Sierra Leone. With her Le 1,000,000 loan, she will invest in business. She has been in the gara lapper (locally dyed cloth) business for the past two years now.
(In front of them are a number of yams.)

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
  • 33
    View loans »
    Sierra Leone Loans Fundraising
  • $9,245,200
    Funds lent in using Kiva
  • 2,980.0
    Sierra Leone Leones (SLL) = $1 USD