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Daisy M.'s Group
In this Group: Daisy M. , Bobor , Iye , Francis B. , Steven J. , Philip Bob , Prince
Pictured above are teachers from one of the primary schools in Kenema, a city in eastern Sierra Leone. This group of teachers have come to SMT, a partner of in Makeni, northern Sierra Leone to seek a loan of 8,400,000 SLL to solve their immediate financial challenges. At the end of each month, they will then repay the loan from their monthly salaries.

Daisy is the leader of this group of teachers. Born in Segbwema village, the 48 year old has been in the teaching profession for 25 years now. She is married and has 3 children – 1 in secondary school and 2 in college. Daisy has requested this loan to buy building materials like iron bars and corrugated iron and zincs for the construction of a family house. She will also use part of the loan to pay her children's college 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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Sierra Leone

  • $2,100
    Average annual income
  • 57
    View loans »
    Sierra Leone Loans Fundraising
  • $9,327,250
    Funds lent in using Kiva
  • 4,435.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A portion of Daisy M.'s Group's $1,900 loan helped a member to buy house building materials for the construction of a family house.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Sep 12, 2011
Oct 11, 2011
Currency Exchange Loss:
Sep 28, 2012