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Gertrude J.'s Group
In this Group: Gertrude J., Daniel M., Morris B., Abu Bakarr, Marion A., Isatu B., Grace Rocetta
Pictured here are teachers from one of the vocational institutes in Makama village, an outskirt of Makeni city. This group of teachers has come to SMT, a partner of, to apply for a loan of SLL15,400,000 for the entire group in order to meet their immediate financial needs. At the end of each month, they will repay the loan using their monthly salaries. Their school’s bursar is directly responsible for deducting the repayment and pays SMT/Kiva lenders on their behalf.

Daniel is the featured leader of this group of teachers. Daniel, 42, is a native of Makeni. He is married and has four children. His wife is a teacher and his children attend primary and secondary schools. Daniel has been a school teacher for 14 years now. Daniel wants to pursue further studies in college. He has requested this loan in order to pay his college fees.

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
  • 12
    View loans »
    Sierra Leone Loans Fundraising
  • $8,963,475
    Funds lent in using Kiva
  • 4,310.0
    Sierra Leone Leones (SLL) = $1 USD