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Kamalaneh Group
In this Group: Mary M., Kadiatu, Patricia E.
These ladies--Mary M. K., Kadiatu S. and Patricia E. S.--are local entrepreneurs in the small town of Waterloo. They've named their group Kamaleneh. They have been in business for several years now but their businesses have been growing at a very slow pace. With the arrival of SMT (Salone Microfinance Trust) in Waterloo a few months ago, they have applied for a loan of Le 500,000 each, in order to boost their businesses. With this loan, they will be able to increase their inventory, make more profit, assist their school-going children, and meet most of their daily financial challenges.


Mary M. K. (right) is the leader of this group. Mary is 39 years of age. She was born in Lunar, northern Sierra Leone, but now resides in Waterloo, 20 miles from Freetown. Her husband is a businessman and they have three children together. One of their children is in college, another is in secondary school and the last is in primary school.


Mary sells gari (fast food made by grinding cassava), palm oil (the most popular cooking oil) and wheat. She has been a businesswoman for over ten years now. With this loan, she will be able to buy goods in large quantity, make more profit and improve her standard of living.

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

  • $903
    Average annual income
  • 35
    View loans »
    Sierra Leone Loans Fundraising
  • $9,111,150
    Funds lent in using Kiva
  • 3,080.0
    Sierra Leone Leones (SLL) = $1 USD