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 $1,452,600 $1,446,471,475
Amount of raised Inactive loans $68,775 $1,203,625
Number of raised Inactive loans 23 194
Amount of Paying Back Loans $242,425 $145,191,200
Number of Paying Back Loans 85 163,527
Amount of Ended Loans $1,141,400 $1,300,076,650
Number of Ended Loans 394 1,704,858
Delinquency Rate 0.00% 23.51%
Amount in Arrears $0 $21,703,337
Outstanding Portfolio $242,425 $92,297,732
Number of Loans Delinquent 0 74,988
Default Rate 13.36% 1.73%
Amount of Ended Loans Defaulted $152,525 $22,477,325
Number of Ended Loans Defaulted 52 54,469
Currency Exchange Loss Rate 1.22% 0.40%
Amount of Currency Exchange Loss $17,726 $5,836,094
Refund Rate 0.42% 0.63%
Amount of Refunded Loans $6,100 $9,148,850
Number of Refunded Loans 2 8,475

Loan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans to Women Borrowers 100.00% 76.66%
Average Loan Size $245 $395
Average Individual Loan Size $0 $611
Average Group Loan Size $2,894 $1,772
Average number of borrowers per group 11.8 7.8
Average GDP per capita (PPP) in local country $2,100 $5,731
Average Loan Size / GDP per capita (PPP) 11.67% 6.89%
Average Time to Fund a Loan 2.9 days 7.41 days
Average Dollars Raised Per Day Per Loan $84.42 $53.30
  Average Loan Term 7.6 months 11.37 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 247 909,721
  Journaling Rate 60.80% 43.86%
  Average Number of Comments Per Journal 0.00 0.03
  Average Number of Recommendations Per Journal 0.00 0.70

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 25.38% PY
  Profitability (return on assets) -3.81% -9.5% -1.35%
  Average Loan Size (% of per capita income) N/A 28.00% 12.34%

Country Fast Facts

Field Partner Staff

Jason Dudek
Repayment Reporting