Al-Harrkan Islamic Secondary School In Makeni Group
AL-Harrkan Islamic Secondary school was founded in 1979 by the Sierra Leone Muslim Youth Cultural Organisation/AL-Harrkan Mission to provide education to the children of Makeni and beyond. The school is staffed with 15 teachers and has an enrollment of 400 pupils. Irrespective of the many hurdles (such as the lack of sufficient buildings – classrooms, a library, a laboratory and inadequate learning and teaching materials), the school has managed to excel in public examinations and has been very competitive in extra-curricular activities like sport, quiz competitions, etc.
Mr. Osman Calla K. (pictured on the right) is the man behind the school’s success. Mr. K. is the principle at the school and leader of the group. With 28 years of experience in the teaching profession, Mr. K. is able to inspire his staff into producing the desired result. Born in Makeni city, Mr. K. is married to a teacher and they have six children – two in secondary school, three in college and one working. Mr. K. has requested this loan in order to purchase a piece of land for the future construction of a house and to pay school fees for his children.
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.
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Success!! The loan was 100% repaid