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Issa's Group
In this Group: Issa , Fatmata S. , Frank L. , Elsie , Ballie , Alie , Alpha M. , Joseph , John R.
Pictured here are teachers of a primary school in Makeni, northern Sierra Leone. This group of teachers has come to SMT, a partner of, to apply for a loan of 9,900,000 SLL in order to meet their immediate financial needs. This school was founded in 1991 to provide education to the children of Makeni and beyond. The school is staffed with 24 employees and has an enrollment of 318 pupils. Issa is the leader of this group of teachers. With seven years of experience in the teaching profession, Issa is 35 years old, is married and has 6 children – 4 in primary school, 1 in secondary school and 1 is too young for school. Issa has joined his colleagues to access a loan of 2,000,000 SLL in order pay his children’s school fees and to help his wife start a small business.

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
  • 32
    View loans »
    Sierra Leone Loans Fundraising
  • $9,391,500
    Funds lent in using Kiva
  • 4,355.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A portion of Issa's Group's $2,275 loan helped a member to pay his children’s school fees and to help his wife start a small business.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Aug 10, 2011
Aug 29, 2011
Currency Exchange Loss:
Jul 18, 2012