A loan of $950 helped a member expand her business by buying cottons and firewood.


On Time Group's story

Finda J., Yeabu K., Bamba J. and Mafila J. have named their group "On Time". They are all local entrepreneurs in Makeni, in northern Sierra Leone. Each one of the group received a loan of Le 500,000 during the last loan cycle. That loan created meaningful impacts in the lives of these borrowers. They were able to use their profits to pay their children’s school fees. They’re also able to feed and clothe themselves and their children with the income generated from the loans. Today, they are requesting a loan of Le 700,000 each to buy more goods to add to their businesses.

Finda (second from left) is the leader of the group. She is forty-five years of age. She was born in Kabala, Kionadugu district in northern Sierra Leone. She is married and has three children. Two of her children are already married and one is in secondary school. She has been a businesswoman since childhood days.

Finda sells cottons, gara lappers (locally dyed cloth with fabricated designs) and firewood. With this new loan, she will expand her business. She travels to Freetown (about 390 miles r/t) to buy the pieces of cotton used for the gara. As for the firewood, she buys it from neighboring villages. The fare to Freetown is Le 12,000 and she usually pays a delivery fee of Le 5,000 for the cottons. In Freetown, a piece of cotton costs something between Le 75,000 to Le 80,000. A truck of firewood costs Le 300,000.

So far, Finda faces no serious challenge in her business that is worth noting. Business is going fine. She enjoys what she does for a living. To Finda and her colleagues in the group, an increase in profit means making their lives better. They will be able to take good care of their children, specifically their educational and nutritional needs, and save some money for emergencies.

In this group: Finda, Yeabu, Bamba , Mafila
*not pictured



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