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Vijay Mullah's Group
In this Group: Vijay Mullah, Mohamed K., Elizabeth R.j., Zainab Musu, Tommy , Lansana U., Abu Bakarr
Meet with this group of teachers from the town of Waterloo, near Sierra Leone’s capital city, Freetown. This group of teachers has come to SMT, Kiva’s oldest local partner, to request a loan of 11,900,000 Leones for the entire group in order to meet their immediate and most pressing needs. At the end of each month, they can easily 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.

Vijay is the featured leader of this team. The 38 year-old is a native of Makeni. He is married to a trader and the two have four children. Vijay has been a teacher for 12 years now. In Vijay’s words, he has requested this loan in order “to repair my house and pay school fees for my children and brother’s children”.

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
  • 4,326.4
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A portion of Vijay Mullah's Group's $2,775 loan helped a member “to repair my house and pay school fees for my children and brother’s children”.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Feb 8, 2013
Feb 23, 2013
Currency Exchange Loss:
Jan 17, 2014