Top-up Group

Pictured are Osman Conteh, Unisa Kamara, Mummy Gbla and Hawa Sesay. Their group is called Top-up, named after the main product the group leader is selling. They have finished repaying their previous loan with SMT. That loan helped their businesses grow, increased profit and improved on the members living conditions. Another loan of Le 4,000,000 loan will help give strength to their businesses.

The leader of this group is Osman Conteh. Osman is 35 and was born in Yele, Tonkolili district. He is married with 2 children. Osman owes a tele-centre. Here, he makes telephone calls for people, sells top-up cards, phone batteries, recharges mobile phones (as 95% of the people do not have electricity, people pay Le 1,000.00 for their phones to be recharged) and so on. Other members of the group also sell top-ups, cigarettes, mints, candles, biscuits, under-wears, bras, childrens` clothes, fish and so on.

About Group Loans
In a group loan, each member of the group receives an individual loan but is part of a group of individuals bound by a group guarantee. Under this arrangement, each member of the group supports one another and is responsible for paying back the loans of their fellow group members if someone is delinquent or defaults. Learn more

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