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Timap Bifo Group
In this Group: Kadiatu , Adama , Fatu , Marie
In the photo are members of the “Timap Bifo” group. They are small scale businesswomen based in Makeni, a city in northern Sierra Leone. This is the first loan these entrepreneurs are accessing from SMT/Kiva lenders. With this loan, they will be able to expand their businesses, make more profit and consequently improve on their standard of living.

The leader of this group is Kadiatu aged 31. She was born in Koidu city but she is currently residing in Makeni together with her husband and four children. Her husband is a businessman. One of her children is attending primary school and two are in secondary school. For many years Kadiatu has been selling gara lappers (locally dyed clothes). With her share of this loan, she is going to buy materials, ink, candles, powder, caustic soda, white cotton, etc. in order to produce a larger quantity of gara clothes for sale.

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
  • 37
    View loans »
    Sierra Leone Loans Fundraising
  • $10,068,550
    Funds lent in using Kiva
  • 4,456.2
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A portion of Timap Bifo Group's $900 loan helped a member to buy materials, ink, candles, powder, caustic soda, white cotton, etc. in order to produce a larger quantity of gara lappers (locally dyed clothes) for sale.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Sep 7, 2011
Oct 2, 2011
Currency Exchange Loss:
Sep 27, 2012