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Aiah J.'s Group
In this Group: Aiah J., Tambu S., Doris P. Eugina, Solomon
Pictured here are teachers of 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 seek a loan of 4,400,000 SLL. With the help of this loan, they will be able to invest or buy things that they cannot invest in or buy on their salaries alone. At the end of each month, these teachers will be able to repay the loan easily, using their monthly salaries.
Aiah (pictured on the left) is the leader of this group of teachers. Born in Jaima, the 45-year-old is married to a trader and the couple has three children who are in primary schools. Aiah has served in the teaching profession for ten years now. He has requested this loan in order to invest in agriculture. He will use his loan to buy seeds and hire labor.

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

  • $903
    Average annual income
  • 16
    View loans »
    Sierra Leone Loans Fundraising
  • $8,963,475
    Funds lent in using Kiva
  • 4,330.0
    Sierra Leone Leones (SLL) = $1 USD