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Umarr B.
Pictured above is Umarr, a teacher in one of the secondary schools in Makeni. He has come to Salone Microfinance Trust (SMT), a Kiva partner, to apply for a loan. Like other teachers, he wants this loan in order to meet some financial commitments that his salary alone cannot solve. But with the help of this loan, he can meet these challenges and at the end of each month, he will use his monthly salary to offset the loan.

Umarr was born in Masapirie village, in northern Sierra Leone. The 30-year-old is married to a teacher and has served in the teaching profession for four years now. He has requested this loan in order to buy house-building materials like iron corrugated zinc for the construction of a family house.

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.

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
  • 54
    View loans »
    Sierra Leone Loans Fundraising
  • $9,327,250
    Funds lent in using Kiva
  • 4,400.0
    Sierra Leone Leones (SLL) = $1 USD