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Real Friends Group
In this Group: Jeneba, Mariama, Iye, Kumba, Binta
Jeneba A. is the leader of this group of entrepreneurs. Jeneba was born in Kenema, a city in eastern Sierra Leone. Jeneba’s husband is retired and her three children attend primary school. Jeneba sells soft drinks, gara lappers (locally dyed clothes) and charcoal. She has been running this business for six years now.

This is the first loan that Jeneba and her group members have applied for from SMT/Kiva. With the help of this loan, they will be able to expand their businesses, make more sales and consequently improve on their living conditions. Jeneba will use her share of the loan (500,000 SLL) to expand her business. She will buy the above mentioned items in large quantities to add to her business.

(Also included at the left of the photo is loan officer Edna B. Conteh, handing over the loan to the borrowers).

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

  • $903
    Average annual income
  • 11
    View loans »
    Sierra Leone Loans Fundraising
  • $8,963,475
    Funds lent in using Kiva
  • 4,250.0
    Sierra Leone Leones (SLL) = $1 USD