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Hands Together I Group
In this Group: Fatmata, Sallay, Haja, Isatu, Ramatu
Meet the members of the Hands Together I group from Waterloo, a small town in western Sierra Leone where “Shine on Sierra Leone” partnered with Salone Microfinance Trust (SMT) to start a branch. They are all local entrepreneurs who have come to SMT, also a partner of, to apply for a loan of 2,500,000 SLL to be shared equally among themselves. With the help of this loan they will be able to expand their businesses, make more sales and consequently improve their living conditions.

Fatmata M. is the leader of this group. The thirty-five-year-old is married to a salaried worker, and the couple has two children. Fatmata has been selling dishes, rubber bowls, palm oil, cotton, etc. for ten years now. With her share of this loan, she will buy the above-mentioned items at wholesale to add to her current stock.

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
  • 29
    View loans »
    Sierra Leone Loans Fundraising
  • $9,391,500
    Funds lent in using Kiva
  • 4,150.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A portion of Hands Together I Group's $625 loan helped a member to buy dishes, rubbers bowls, palm-oil, cotton, etc. at wholesale.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Nov 11, 2010
Dec 1, 2010
Currency Exchange Loss:
Aug 15, 2011