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The Unity Group
In this Group: Issatu , Sia, Fatmata, Konnie, Issata
In the photo are members of the “Unity” group. They are small-scale businesswomen based in Koidu, a city in Eastern Sierra Leone. This is the first loan these entrepreneurs are accessing from SMT/Kiva lenders. With this loan, they will be able to expand their businesses, make more profit and consequently improve their standards of living.

The leader of this group is Issatu. Issatu is 34.She was born in Tankoro-Kono. She is married to a businessman and the couple has three children – one in primary school and two in secondary school.

Issatu has been a businesswoman for seven years now. She sells cooked rice. She has requested this loan in order to buy a larger quantity of cooking ingredients – rice, palm-oil, salt, pepper, tomatoes, onions, etc. In this way, Issatu will be able to cook a large amount of rice to meet her customers’ growing demand.

(Also included in the photo is Edmond A. Ndoinjeh in the white shirt, handing over the loan to the borrowers.)

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
  • 62
    View loans »
    Sierra Leone Loans Fundraising
  • $9,347,350
    Funds lent in using Kiva
  • 4,300.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A portion of The Unity Group's $600 loan helped a member to buy a larger quantity of cooking ingredients – rice, palm-oil, salt, pepper, tomatoes, onions, etc.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Feb 17, 2012
Mar 20, 2012
Currency Exchange Loss:
Sep 18, 2012