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David F.'s Group
In this Group: David F. , Alfred Boima , Tamba P., Emmanuel Paul , Bernardette , Richard Sahr, Stephen A. , Martin Sahr Kaiwandy, Tamba Desmond
Pictured above are primary school teachers from Koidu, a city in Eastern Sierra Leone. Teachers and other monthly salaried workers frequently go to Salone Microfinance Trust (SMT), a partner of, to apply for loans. With the help of these loans, they are better equipped to accomplish things that their salaries do not permit. For example, some will use this loan to pay school fees for their children, others will buy house-building materials for the construction of family dwellings, some will invest the loan in his spouse's business, etc. At the end of each month, their school’s bursar will deduct the repayment from their salaries and repay SMT/Kiva lenders.

David is the leader of this group of teachers. A native of Koardu village in Eastern Sierra Leone, this 60-year-old is married to a housewife and the father of four children – three in secondary school and one in college. David, who has 38 years of experience in the teaching profession, has requested this loan in order to buy house-building materials – corrugated iron zinc, cement, etc. - for the construction of a family dwelling.

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
  • 23
    View loans »
    Sierra Leone Loans Fundraising
  • $9,379,975
    Funds lent in using Kiva
  • 4,300.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A portion of David F.'s Group's $4,425 loan helped a member to buy house-building materials – corrugated iron zinc, cement, etc. for the construction of a family dwelling.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Feb 17, 2012
Feb 25, 2012
Currency Exchange Loss:
Jan 15, 2013