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Abdulia M.'s Group
In this Group: Abdulia M., Mohamed A., Ibrahim , Kadiatu B., Salieu , Ibrahim , Santigie Abdul, Sarian F., Abdul A., Isata M., Fatmata M., Isatu Y.
Pictured above are teachers of a primary school in Waterloo, a town in western Sierra Leone. This group of teachers has come to SMT, a partner of, to apply for a loan of 23,100,000 Leones for the entire team. With the help of this loan, this group of teachers will be able to buy or invest in things that they would not otherwise be able to buy or invest in, left with their salaries alone.

Some usually use these loans to buy plots of land, house-building materials, to pay school fees for their children, to buy pieces of furniture, etc. And at the end of each month, they use their monthly salaries to repay the loan. It is their school’s bursar who is directly responsible for making the deductions and the repayments on their behalf.

Ibrahim is the featured leader of this group. A native of Yoni Banna village, the 40-year-old is married to a housewife, and the couple has four children. Ibrahim has been a teacher for 13 years now. He has requested this loan in order to buy house-building materials like iron corrugated zinc, sand, nails, cement, metal rods, etc., for the construction of an extension apartment, using the rest of the loan to pay school fees for his son.

(Attached on the left of the photo are Mohamed and Fatmata; both are borrowers of the group but were not present for a group photo.)

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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Sierra Leone

  • $903
    Average annual income
  • 21
    View loans »
    Sierra Leone Loans Fundraising
  • $8,963,475
    Funds lent in using Kiva
  • 4,323.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A portion of Abdulia M.'s Group's $5,350 loan helped a member to buy house-building materials like iron corrugated zinc, sand, nails, cement, metal rods, etc., for the construction of an extension apartment, using the rest of the loan to pay school fees for his son.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Feb 8, 2013
Mar 5, 2013
Currency Exchange Loss:
Dec 17, 2013