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Francis James' Group
In this Group: Francis James, Aiah S., Aiah , Augustine , Aiah
The borrowers above are teachers a secondary school in Koidu. They want a loan of 6,300,000 Sierra Leonean leones (SLL) to help them meet their immediate needs. Some want a loan to invest in business, some to pay their children's school fees and other school-related charges, and some to invest in a house-building project.

Francis, a teacher at the school and the featured leader of this group, wants a loan to embark on a house-building project. Francis is a 54-year-old man who is married to a housewife; the couple has 3 children, one in primary school, one in secondary school, and one in college. Francis will use his share of the loan to buy house-building materials such as corrugated iron sheets 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 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

  • $2,100
    Average annual income
  • 14
    View loans »
    Sierra Leone Loans Fundraising
  • $9,478,075
    Funds lent in using Kiva
  • 4,339.9
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A portion of Francis James' Group's $1,475 loan helped a member to buy house-building materials such as corrugated iron sheets for the construction of a dwelling house.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Mar 14, 2013
May 7, 2013
Currency Exchange Loss:
Feb 17, 2014