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Hope To God Group
In this Group: Agnes , Nandiawa , Aminata S., Kapr B., Sento
Pictured here are members of the “Hope To God” group from Lunsar, a town in northern Sierra Leone. They are small business people who will be able to add more goods to their businesses, attract more customers, increase sales and profit, and consequently improve their living conditions.

The leader of this group of entrepreneurs is Agnes. Agnes is 42; she was born in northern Sierra Leone. She is married, and has three children, one of whom is attending primary school.

Agnes sells palm-oil (the most popular cooking oil), fish, bananas, fried cakes, etc... With her share of this loan, she is going to buy fish, bananas, etc... to add to her business. She will also buy flour, oil, etc. in order to fry a larger quantity of cakes for sale.

(Also included on the right of the photo is loan officer Sarah, posing with the borrowers).

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
  • 32
    View loans »
    Sierra Leone Loans Fundraising
  • $9,391,500
    Funds lent in using Kiva
  • 4,337.8
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A portion of Hope To God Group's $825 loan helped a member to buy fish, bananas, etc. to add to her business. She will also buy flour, oil, etc. in order to fry a larger quantity of cakes for sale.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Jan 18, 2013
Jan 28, 2013
Currency Exchange Loss:
Dec 17, 2013