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Joy Group
In this Group: Sitta , Kumba , Isatu , Margaret
Sitta is the leader of this group of entrepreneurs. She was born in Sowa 35 years ago. She is married to a trader and the couple has two children, one of whom is attending primary school. For many years now, Sitta has been selling market food – palm oil (the most popular cooking oil), Maggi (use to give sauce a sweet taste), pepper, onions, rice, etc.

Sitta and her group members have applied for a loan of 3,200,000 Leones from SMT/Kiva lenders. This loan will empower them financially, enabling them to buy more inventories to add to their respective businesses.

Though Sitta faces some financial challenges that have hindered her business from developing to the level she wants it to, she has been able to make a lot of achievement from her business. One of Sitta’s greatest success stories is that of feeding her children and educating her child.

This loan will go a long way in mitigating Sitta's financial difficulties. She is going to use it to buy more palm oil, Maggi, pepper, onions, rice, etc. to add to her current stock.

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
  • 16
    View loans »
    Sierra Leone Loans Fundraising
  • $9,478,075
    Funds lent in using Kiva
  • 4,349.6
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A portion of Joy Group's $750 loan helped a member to buy more palm oil, Maggi, pepper, onions, rice, etc. to add to her current stock.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Dec 13, 2012
Dec 28, 2012
Currency Exchange Loss:
Sep 17, 2013