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By The Grace Of God Group
In this Group: Ibrahim, Yealie, Mahawa
Here are members of By the Grace of God group. They are small scale businesspeople base in Magburaka town, in northern Sierra Leone. In order to improve their businesses, they have applied for a loan of Le 500,000 for each from SMT/Kiva.

Ibrahim S. (middle) is the leader of this group. Ibrahim is forty-six years of age, born in Kambia district, in northern Sierra Leone. Ibrahim is married to a businesswoman and they have seven children together. Some of his children are attending secondary schools and others in primary schools. Ibrahim is a tailor and has been in this business for many years now. He will use this loan to expand his business by buying sewing materials.

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
  • 16
    View loans »
    Sierra Leone Loans Fundraising
  • $9,478,075
    Funds lent in using Kiva
  • 3,400.0
    Sierra Leone Leones (SLL) = $1 USD