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Ibrahim M.'s Group
In this Group: Ibrahim M. , Sahr S. , Aiah A. , Foday M., Andrew , Tamba S., Shar Musa , Musa
Pictured above are teachers from a secondary school in Koidu, a city in eastern Sierra Leone. This group of teachers has come to SMT, a partner of based in Makeni, northern Sierra Leone, to request a loan of 9,000,000.00 Sierra Leonean leones (SLL) for the entire group. With the help of this loan, they will be able to buy or invest in things that their salaries alone do not allow. At the end of each month, these teachers repay SMT/Kiva lenders from their monthly salaries. Their school’s bursar is directly responsible for doing the salary deductions and making the repayments on their behalf.

Aiah, who is pictured on the left, is the leader of this group. Aiah is fifty-five years old. He is a native of Kaima, in eastern Sierra Leone. He is married to a teacher and the couple has four children together who are attending primary and secondary schools. Aiah has been in the teaching profession for twenty years now. He wants this loan for two main reasons. First, to pay school fees for his children and second, to buy building materials like cement and corrugated iron sheets for the construction of a 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
  • 5
    View loans »
    Sierra Leone Loans Fundraising
  • $9,478,050
    Funds lent in using Kiva
  • 4,310.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A portion of Ibrahim M.'s Group's $2,100 loan helped a member to pay school fees for his children and to buy building materials like cement and corrugated iron sheets for the construction of a house.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Apr 4, 2012
May 3, 2012
Currency Exchange Loss:
Nov 17, 2012