Kiva conducts regular, ongoing monitoring of all Field Partners, but only posts status updates here in response to relevant, major changes at the partner.

Partner description:

Mountain Lion Agriculture is a social enterprise working to help smallholder farmers in Sierra Leone grow and succeed. The organization helps these farmers out of cycles of subsistence-only farming by supporting them during production and then buying their raw rice at a fair price.

Mountain Lion Agriculture’s business model is based on 3 key pillars: high quality rice-milling, a loyalty program for farmers and building relationships in the community. This model enhances the value chain for smallholder farmers by offering input supplies, 0% interest in-kind seed loans, free training for suppliers, machine hire services and a 250 acre model farm used to educate farmers.


A unique lending approach:

Mountain Lion Agriculture provides 0% interest loans to contract farmers in the form of quality seeds at the beginning of planting season. In order to guarantee good harvest, Mountain Lion Agriculture also provides an option of machine leasing services to these farmers for ploughing, farrowing and harvesting at an extra fee that can either be paid upfront or recovered from the harvest. The loans are usually payable in 6 months based on the rice-growing cycle. During harvest season, Mountain Lion Agriculture provides full transportation of paddy rice from the farms to their milling factory at no cost.

Repayment Performance on Kiva

    This Field Partner All Kiva Partners
  Start Date On Kiva Jan 9, 2017 Oct 12, 2005
Total Loans $1,990,400 $1,591,618,020
Amount of raised Inactive loans $5,700 $553,050
Number of raised Inactive loans 2 212
Amount of Paying Back Loans $369,500 $162,732,475
Number of Paying Back Loans 119 197,739
Amount of Ended Loans $1,615,200 $1,428,332,495
Number of Ended Loans 553 1,888,188
Delinquency Rate 6.54% 17.15%
Amount in Arrears $24,150 $17,353,982
Outstanding Portfolio $361,950 $101,203,308
Number of Loans Delinquent 7 53,034
Default Rate 9.44% 1.69%
Amount of Ended Loans Defaulted $152,525 $24,149,199
Number of Ended Loans Defaulted 52 60,162
Currency Exchange Loss Rate 0.89% 0.40%
Amount of Currency Exchange Loss $17,726 $6,914,725
Refund Rate 0.31% 0.59%
Amount of Refunded Loans $6,100 $9,457,725
Number of Refunded Loans 2 8,817

Loan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans to Women Borrowers 100.00% 77.41%
Average Loan Size $255 $392
Average Individual Loan Size $0 $601
Average Group Loan Size $2,953 $1,800
Average number of borrowers per group 11.6 8
Average GDP per capita (PPP) in local country $2,100 $5,685
Average Loan Size / GDP per capita (PPP) 12.13% 6.90%
Average Time to Fund a Loan 2.85 days 8.06 days
Average Dollars Raised Per Day Per Loan $89.43 $48.64
  Average Loan Term 7.45 months 11.35 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 342 969,394
  Journaling Rate 57.54% 42.45%
  Average Number of Comments Per Journal 0.00 0.03
  Average Number of Recommendations Per Journal 0.00 0.68

Borrowing Cost Comparison (based on 2016 data)

    This Field Partner Median for MFI's in Country All Kiva Partners
  Average Cost to Borrower N/A 47.00% PY 26.61% PY
  Profitability (return on assets) -32.81% -9.5% -0.35%
  Average Loan Size (% of per capita income) N/A 28.00% 11.35%

Country Fast Facts

Field Partner Staff

Jason Dudek
Repayment Reporting