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Thanks To God Group
In this Group: Fatmata, Abdulai A., Sallay, Mariama , Mary
Fatmata K. (pictured second from left) is the leader of this group of entrepreneurs. Fatmata was born in a village called Okro Hill, forty-three years ago. She is a widow with five children to look after.

This is the first loan that Fatmata and her group members have applied for from SMT/Kiva lenders. With the help of this loan, they will be able to expand their businesses, make more sales and consequently improve on their living conditions.

For over twenty years now, Fatmata has been selling cloth, palm-oil (the most popular cooking oil), and gari (a fast food made from cassava roots). Fatmata will use her share of the loan (SLL 500,000) to expand her business; she will buy eight bags of gari, four bales of cotton, and twenty gallons of palm-oil to add to her stock.

Included in the photo is loan officer Edna B. Conteh on the left handing over the loan and branch manager, Abdul Karim mistakenly pictured at the back right.

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
  • 32
    View loans »
    Sierra Leone Loans Fundraising
  • $9,391,500
    Funds lent in using Kiva
  • 3,925.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A portion of Thanks To God Group's $650 loan helped a member to buy eight bags of gari, four bales of cotton, and twenty gallons of palm-oil to add to her stock.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Jun 16, 2010
Jul 3, 2010
Currency Exchange Loss:
Mar 24, 2011