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Na We Cam Group
In this Group: Ramatu, Hawa, Isatu, Fanta
Pictured here are members of the “Na We Cam” group from Makeni, a city in northern Sierra Leone. They are petty-businesswomen who have come to SMT, a partner of, in order to seek a loan of SLL 800,000 for each in the group. With this loan, they will be able to add more goods to their businesses, attract more customers, make more sales and profit and consequently improve their living conditions.

The leader of this group of entrepreneurs is Ramatu K. who is pictured on the left. Ramatu was born in a place called Sanda near Makeni. The 45-year-old is married and has eight children, one of whom is attending secondary school.

Ramatu sells gara lappers (locally dyed cloths) and has been doing this business for a very long time. Ramatu is seeking this loan in order to expand her business. She will buy gara lapper making materials like inks, caustic soda, powder and white cotton cloths. In this way, she will be able to produce a large number of cloths to sell.

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
  • 46
    View loans »
    Sierra Leone Loans Fundraising
  • $9,977,925
    Funds lent in using Kiva
  • 3,875.0
    Sierra Leone Leones (SLL) = $1 USD