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Edward Karimu's Group
In this Group: Edward Karimu, Osman
Salone Microfinance Trust (SMT), a partner of in Makeni Northern Sierra Leone, is very pleased to present to you this group of teachers from a primary school in Kenema, a city in Eastern Sierra Leone. This group of teachers has come to SMT/Kiva lenders to seek a loan of 2,500,000 SLL in order to meet their immediate financial challenges. At the end of each month, their school’s bursar repays SMT/Kiva lenders on their behalf from their monthly salaries.

Edward is the leader of this group. The 60-year-old is married to a trader. He has seven children, three of whom are in secondary school and in college. Born in Largo village near Kenema, Edward has been in the teaching profession for 38 years.

Edward has requested a loan of 1,000,000 SLL in order to hire a labor force to brush and plough his farmland and buy seeds to plant on his farm.

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
  • 64
    View loans »
    Sierra Leone Loans Fundraising
  • $9,347,350
    Funds lent in using Kiva
  • 4,360.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A portion of Edward Karimu's Group's $575 loan helped a member to hire a labor force to brush and plough his farmland and to buy seeds to plant on his farm.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Jul 25, 2012
Aug 23, 2012
Currency Exchange Loss:
May 18, 2013