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Work Hard Group
In this Group: Haja , Memunatu , Adamsay , Fatmata , Rugiatu
Haja leads this group of five entrepreneurs. She was born in the village of Tandata, in northern Sierra Leone, 30 years ago and is married to a businessman and the mother of three children, two of whom attend primary schools. For 10 years now, she has earned a living by selling various kinds of food – palm-oil (the most popular cooking oil), onions, pepper, tomatoes, margi (which is used to give sauce as sweet taste), fish and other items. With the help of this loan, Haja and her group members will be able to expand their businesses, make more sales and improve their living conditions. Haja will use her share of the loan (SLL 700,000) to buy food items in bulk to expand her current inventory.

(Also included on the right of the photo is loan officer Rosaline posing with the clients).

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
  • 29
    View loans »
    Sierra Leone Loans Fundraising
  • $9,245,175
    Funds lent in using Kiva
  • 4,337.8
    Sierra Leone Leones (SLL) = $1 USD