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Issa's Group
In this Group: Issa, Rebecca, Alhaji. Mustapha, Usman , Ibrahim , Ibrahim *, Abdulai A., Ismail Suma , Samuel Mustapha, Tamba F. *, Amadu B.m., Abass , Sahr Isaac, Gbassay
* not pictured
Pictured above are teachers at a primary school in Koidu, a city in Eastern Sierra Leone. This group of teachers has come to SMT, a partner of Kiva, to apply for a loan of SLL 20,400,000 for the entire group.

With the help of this loan, they will be able to buy or invest in things that their mere salaries cannot let them buy or invest in. For example, some of them will use their share of the loan to invest in business; others will buy house-building materials, or a plot of land or pieces of furniture, or pay school fees for their children. At the end of each month, their school's bursar deducts the total repayment amount and pays SMT/Kiva lenders on their behalf.

Alhaji is the chosen featured leader of this group. He is 41 year old and a native of Small Sefadu, in eastern Sierra Leone. Alhaji is married to a businesswoman, and they have two children who are attending primary and secondary schools. Alhaji has been in the teaching profession for many years now. He has requested this loan to buy house building materials like cement, etc., for the construction of a family dwelling 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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Sierra Leone

  • $2,100
    Average annual income
  • 64
    View loans »
    Sierra Leone Loans Fundraising
  • $9,347,350
    Funds lent in using Kiva
  • 4,335.9
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A portion of Issa's Group's $4,725 loan helped a member to buy building materials like cement, etc., for construction of a family dwelling house.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Sep 21, 2012
Oct 23, 2012
Currency Exchange Loss:
Aug 17, 2013