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Sahr Emmanuel's Group
In this Group: Sahr Emmanuel, Aiah , Francis Sahr
Pictured above are primary school teachers in Koidu, a city in eastern Sierra Leone. This group of teachers has come to Salone Microfinance Trust (SMT), a partner of, based in Makeni, in northern Sierra Leone, to request a loan of SLL 4,300,000 for the entire group.

With the help of this loan, this group of able and dedicated teachers will be able to meet their immediate financial challenges. At the end of each month, they will repay the loan, using their monthly salaries. It is their school’s bursar who is directly responsible for doing the deductions and making the repayments on their behalf.

Sahr (pictured in the middle) is the featured leader of this group. The 54-year-old is a native of Sagbe, in eastern Sierra Leone. He is married to a teacher and the couple have eight children, five of whom are attending secondary schools. Sahr has served in the teaching profession for 33 years now. He has requested this loan in order to pay school fees for his children and to use the rest to buy house-building materials.

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
  • 4,337.8
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A portion of Sahr Emmanuel's Group's $1,000 loan helped a member to pay school fees for his children and to buy house-building materials.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Dec 13, 2012
Jan 10, 2013
Currency Exchange Loss:
Nov 17, 2013