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Samuel E.'s Group
In this Group: Samuel E., Ibrahim S., Kadiatu , Elizabeth , Charles, Max , Josephine , Simeon A., Minete T., Mohamed L. , Arnold S.
These are teachers of a primary school in Sierra Leone. They have come to seek a loan of 10,500,000.00 SLL from SMT/Shine on Sierra Leone (one of Kiva's field partners) in order to meet some of their immediate financial needs. As teachers’ salaries are usually small, SMT/Shine on Sierra Leone loans are very useful in helping them supplement their salaries.

This will be the first loan these teachers are accessing from SMT/Shine on Sierra Leone/Kiva. This loan will certainly be of immense help to them. Since salaries are usually small in Sierra Leone (especially for people in the teaching profession) they could not use such salaries to buy or do anything great. With a loan, however, they can now buy or do something big and then repay over a period of time. Some of them will use it to begin or continue building a house; others to pay either for themselves to pursue further studies or to pay for their children’s education. Some will use it to invest in businesses in order to complement their monthly salaries, and still others will use theirs to buy pieces of furniture and household goods.

The leader of this group of teachers is Samuel E. W.. He is a teacher at the school and head of this group of teachers. He has been in the teaching profession for forty years now. Samuel is sixty-one years old and married to a businesswoman. They have four children. Three of his children attend Junior Secondary Schools (JSS) and the other is in Senior Secondary School (SSS). Samuel will use this loan to pay school fees and other school-related charges for his children.

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
  • 64
    View loans »
    Sierra Leone Loans Fundraising
  • $9,347,350
    Funds lent in using Kiva
  • 3,775.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A portion of Samuel E.'s Group's $2,800 loan helped a member pay school fees and other school-related charges for his children.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Nov 5, 2009
Nov 10, 2009
Currency Exchange Loss:
Oct 15, 2010