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Gbla Group
In this Group: Agnes , Esther, Isatu , Ramatu, Fatu
Agnes is the leader of this group of entrepreneurs. Agnes was born in northern Sierra Leone, and she is 45 years of age. Agnes is married and has three children – two in primary school and one in secondary school. Agnes sells cooked rice and has been doing this business for 12 years now.

Anges and her colleagues in the group have applied for a loan of 500,000 Sierra Leone leones for each member in the group from SMT/Kiva lenders in order to further expand their respective businesses. With the help of this loan, they will buy more inventories to add to their businesses, attract more customers, make more sales and increase profitability and, consequently, improve their living standards.

The leader of the group, Agnes, is going to use her share of the loan to buy cooking ingredients — rice, palm-oil, fish, etc. — in bulk in order to produce a larger quantity of cooked rice for sale.

(Attached on the right of the group photo is the photo of a borrower who was not able to be present for a group photo).

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
  • 16
    View loans »
    Sierra Leone Loans Fundraising
  • $9,478,075
    Funds lent in using Kiva
  • 4,250.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A portion of Gbla Group's $600 loan helped a member to buy cooking ingredients — rice, palm oil, fish, etc. — in bulk in order to produce a larger quantity of cooked rice for sale.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
May 20, 2011
Jun 16, 2011
Currency Exchange Loss:
Apr 15, 2012