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We All Na One Group
In this Group: Emma, Musu, Bilkisu
Meet the members of the “We All Na One” group from Makeni, a city in northern Sierra Leone. They are all local entrepreneurs who have come to SMT, a partner of Kiva.org, to apply for a loan of SLL 3,900,000 for the entire group. With the help of this loan, they will be able to expand their businesses, make more sales, and consequently improve their living conditions.

Emma is the leader of this group. The 45-year-old is married to a businessman, and they have 5 children: 3 in primary school, and 2 in secondary school. Emma has been a businesswoman for many years now. She sells palm oil (the country's most popular cooking oil). With her share of this loan, she is going to buy gallons of palm oil to add to her current inventory.

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
  • 21
    View loans »
    Sierra Leone Loans Fundraising
  • $9,015,475
    Funds lent in using Kiva
  • 4,365.0
    Sierra Leone Leones (SLL) = $1 USD