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Manjula S. is a forty-year-old woman. She was born in Kabala, a town in northern Sierra Leone. Manjula is married and has three children. Her husband is a health inspector and two of her children are attending primary school and one is in secondary school. Manjula sells toothpastes, air-fresher, drinks, powdered milk, sardines, candles, soaps, etc. She has been a businesswoman for ten years now.

Manjula S. has requested for a loan of SLL 4,000,000.00 from Kiva field partner, Salone Microfinance Trust (SMT), in order to expand her business. She will use the loan to buy the above mentioned items at wholesale to add to her current stock. In this way, her business will improve both in size and quality, attracting many customers into her business.

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.

About Sierra Leone

  • $2,100
    Average annual income
  • 33
    View loans »
    Sierra Leone Loans Fundraising
  • $9,980,225
    Funds lent in using Kiva
  • 4,200.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $975 helped Manjula buy toothpaste, air-fresher, drinks, powdered milk, sardines, candles, soaps, etc. in large quantity.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Nov 18, 2010
Jan 1, 2011
Currency Exchange Loss:
Oct 18, 2011