Realising that the croc had a firm grip on her friend, Rebecca made the split-second decision to jump on to its back.
She gouged the crocodile's eyes until it released the younger girl.
"I jumped on top of the crocodile and started beating it with my bare hands before using my fingers to poke its eyes until it released her. Once she was free, I swam with her to the banks where the other children pulled her out of the water. The crocodile fortunately did not attack us after it let off Latoya," she said.
Latoya was taken to a local hospital for treatment where a nurse told media she had suffered only "mild injuries".
Latoya's father told the Sunday Times he was "grateful to God" for Rebecca's heroic actions and said that is daughter was recovering well and the family expect her to be discharged soon.
"For a moment there I thought of the worst before I learnt that she had survived after being saved by Rebecca. How she managed to do that I don't know," he said.