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Kalamera Group
In this Group: Rugiatu , Adamsay
Pictured here are members of the 'Kalamera' group from Makeni, a city in northern Sierra Leone. These small-scale businesswomen have come to SMT/Kiva lenders for a loan of SLL 1,200,000 for each person in order to expand their businesses in size and quality. In this way, they can make more sales, earn more profit, and consequently improve their families’ well-being.

On the right in the photo is the group’s leader, Rugiatu C.. Rugiatu who was born in Makeni, is age 33, single with 2 children – 1 in primary school and 1 in secondary school. For quite a number of years now, Rugiatu has been selling market food – rice, salt, Maggi (used to give sauce a sweet taste), "gari" (cassava grits), etc. With her share of this loan, she will buy bags of rice, 'gari', salt and packets of Maggi cubes.

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
  • 26
    View loans »
    Sierra Leone Loans Fundraising
  • $9,245,175
    Funds lent in using Kiva
  • 3,852.8
    Sierra Leone Leones (SLL) = $1 USD