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Rugiatu A.'s Group
In this Group: Rugiatu A., Mohamed S. , Gbrill , Micheal D. , Abdulai , Abdulai Musa , Sahid Babah , Gbrilla , Marion Boi , Abdul Alpha
The photo shows teachers of the Kulafai Rashideen Primary School in Lumpa, a village near Freetown, Sierra Leone. This school was established in 1996 by Sheik Sulaiman to teach Arabic and promote education to the community's children.

Rugiatu is the leader of the group of teachers. She is a native of Bo City and has one child. She has applied for a loan of SLL 1,200,000.00 to buy electrical appliances for her house.

The school staff are part of Kiva partner Salone Microfinance Trust (SMT) and are applying for loans. The loans help them to invest in or buy items that their salaries cannot cover. At the end of each month, the school bursar deducts repayment amounts directly to pay SMT on the teachers’ behalf.

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
  • 1
    View loans »
    Sierra Leone Loans Fundraising
  • $9,478,050
    Funds lent in using Kiva
  • 4,350.0
    Sierra Leone Leones (SLL) = $1 USD