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Believe In God Group
In this Group: Umarr , Hawa , Abdulai S., Aminata , Fatmata
Umarr is the featured leader of this group of entrepreneurs. Umarr was born in Lungi, a town in northern Sierra Leone, 39 years ago. He is married to a businesswoman, and the couple has two children who are attending primary school. Umarr sells bed sheets and other house-decorating fabrics. He has been a businessman for three years.

With the help of this loan, Umarr and his group members will be able to expand their businesses, make more sales, and consequently improve their living conditions. Umarr will use his share of the loan (SLL 800,000) to buy a large quantity of fabric items, to add to his current stock.

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
  • 13
    View loans »
    Sierra Leone Loans Fundraising
  • $9,478,075
    Funds lent in using Kiva
  • 4,319.7
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A portion of Believe In God Group's $950 loan helped a member to buy home-decorating fabrics in large quantity, to add to his current stock.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Mar 13, 2013
Apr 2, 2013
Currency Exchange Loss:
Dec 17, 2013