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Robert Melvin's Group
In this Group: Robert Melvin , Bai Sheka, Gaskin M. , Abu J. , Peter , Alhaji A.k., Ahmed Umarr, Brima S.
Pictured here are teachers of a secondary school in the city of Makeni, in northern Sierra Leone. This group of teachers have come to SMT, a partner of, to apply for a loan. With the help of this loan, these teachers can solve certain financial challenges that their salaries cannot solve. At the end of each month, they will repay their SMT/Kiva loan using their monthly salaries. Their school’s bursar is directly responsible for doing the repayment on their behalf.

Robert is the leader of this group of teachers. A native of Yonibana village, the 58-year-old is married to the head teacher. Robert is the father of nine children attending primary, secondary and tertiary institutions. Robert has served in the teaching profession for 35 years. He has requested this loan in order to buy house building materials, like rods, for the construction of a dwelling 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.

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
  • 57
    View loans »
    Sierra Leone Loans Fundraising
  • $9,327,250
    Funds lent in using Kiva
  • 4,325.0
    Sierra Leone Leones (SLL) = $1 USD