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Abdul's Group
In this Group: Abdul , Francis B. F., Agnes F., Abubakarr , Nuru Deen, Mohamed
Pictured here are teachers of a primary school located in Koidu, a city in eastern Sierra Leone. This group of teachers has come to SMT, a partner of to apply for a loan of 7,000,000.00 Sierra Leonean Leones for the entire team. With the help of this loan, they can meet their immediate and most pressing financial needs. And 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.

Abdul (who is pictured in the right) is the featured leader of this group. The 39-year-old is a native of Koaquima, in eastern Sierra Leone. He is married to a house wife and the couple have three children – two are in primary school and one is in secondary school. Abdul has been a school teacher for fifteen years now.

Abdul has requested a loan in order to pay school fees for his children and plans to use the rest of the loan to buy house building materials, such as iron corrugated sheets, nails, cement, etc. for the construction of a dwelling house.

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

  • $903
    Average annual income
  • 8
    View loans »
    Sierra Leone Loans Fundraising
  • $8,977,275
    Funds lent in using Kiva
  • 4,329.9
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A portion of Abdul's Group's $1,625 loan helped a member to pay school fees for his children, and to buy house building materials such as iron corrugated sheets, nails, cement, etc. for the construction of a dwelling house.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Mar 14, 2013
Apr 12, 2013
Currency Exchange Loss:
May 17, 2014