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Samuel A.'s Group
In this Group: Samuel A., Melrose, Janet W., Christiana
In the photo are members of a primary school in Jui, near Freetown. This group of teachers has come to SMT/Kiva lenders to seek a loan of 5,500,000 SLL in order to buy or invest in something that their mere salaries cannot let them do. Some of them will use the loan to invest in a business, others will use it to pay school fees for their children, etc.

Samuel is the leader of this group of teachers. The 48-year-old is married and has 4 children. Samuel was born in Bo city but now lives and works in Jui. Samuel has requested this loan for developmental purposes. He will use it to buy pieces of furniture and pay his children’s school fees.

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 Samuel A.'s Group's $1,275 loan helped a member to buy pieces of furniture and pay his children’s school fees.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Aug 8, 2011
Aug 23, 2011
Currency Exchange Loss:
Jul 18, 2012