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Samuel's Group
In this Group: Samuel , Alex Sahr, Micheal , Samuel N. , Fatmata T., Edward , Monica , Lasana , Charles , Borbor
Salone Microfinance Trust (SMT) is very pleased to present to you this group of teachers from Kenema, a city in eastern Sierra Leone. This able and dedicated staff has come to SMT and its Kiva lenders to apply for a loan of 16,400,000 SLL to be shared among the entire team in order to meet their most immediate and pressing financial needs. At the end of each month the group can easily repay the loan using their monthly salaries. Their school’s bursar is directly responsible for making salary deductions and loan payments on its behalf.


Samuel, 39, is the group’s leader. He has taught school for eight years now. A native of Kenema, he is married and has two children who are attending primary and secondary school. He will use his portion of the loan to buy building materials such as corrugated iron sheets, cement, etc. to construct a house for his family.

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.

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About Sierra Leone

  • $903
    Average annual income
  • 16
    View loans »
    Sierra Leone Loans Fundraising
  • $8,963,475
    Funds lent in using Kiva
  • 4,328.3
    Sierra Leone Leones (SLL) = $1 USD