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Isata's Group
In this Group: Isata , Solomon Sahr, Ibrahim S. , Sao Ephraim, Sahr Samuel
In the photo are teachers in one of the schools in Koidu city, in eastern Sierra Leone. This group of teachers has come to SMT/Kiva lenders to seek a loan. Like their counterparts in other regions of the country, they have requested this loan for varied reasons – some to pay school fees for their children, buy house-building materials, invest in business, etc. At the end of each month, they repay SMT/Kiva lenders, using their monthly salaries. Their school’s bursar is directly responsible for deducting the repayment and repaying SMT/Kiva lenders.

Isatu is the leader of this group of teachers. The 42-year-old was born in a place called Koayima, in eastern Sierra Leone. She is a widow with 6 children – 1 in primary school and 5 in secondary school. Isatu has been a professional teacher for 10 years. She has requested this loan to pay school fees for her children and to invest the rest of the loan in a 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
  • 13
    View loans »
    Sierra Leone Loans Fundraising
  • $9,478,075
    Funds lent in using Kiva
  • 4,421.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A portion of Isata's Group's $700 loan helped a member to pay school fees for her children and invest the rest of the loan in a business.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Oct 13, 2011
Oct 23, 2011
Currency Exchange Loss:
Oct 20, 2012