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Help We Sef Group
In this Group: Fatmata, Yeabu, Kadiatu
Salone Microfinance Trust (SMT), a partner of in Makeni, northern Sierra Leone, is very pleased to present to you members of the “Help We Sef” group. These are small-scale entrepreneurs who have come to SMT/Kiva lenders to seek a loan of SLL 3,500,000 SLL for the entire group in order to invest in their respective businesses.

Fatmata (pictured on the right) is the leader of this group. Fatmata is 45 years old, married with six children, two of whom are attending primary and secondary schools respectively. Fatmata has been selling market food for the past 30 years now. With her share of this loan, she is going to buy beans, onions, tomatoes, Maggi (used to give sauce a sweet taste), etc. to add to her business inventory.

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
  • 29
    View loans »
    Sierra Leone Loans Fundraising
  • $9,391,500
    Funds lent in using Kiva
  • 4,317.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A portion of Help We Sef Group's $825 loan helped a member to buy beans, onions, tomatoes, Maggi (used to give sauce a sweet taste), etc. to add to her business inventory.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Aug 10, 2011
Aug 19, 2011
Currency Exchange Loss:
May 16, 2012