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Orjah Group
In this Group: Isatu , Fatmata , Elizabeth , Adama , Zainab
Meet the members of the “Orjah” group from Koidu, a city in Eastern Sierra Leone. They are all local entrepreneurs who have come to SMT, a partner of, to apply for a loan of SLL 400,000 for each member. With the help of this loan, they will be able to expand their respective businesses, increase their sales and consequently improve their living conditions.

Elizabeth is the featured leader of this group. The 26-year-old is married to a diamond miner and the couple has three children of whom two are attending primary schools. Elizabeth has been a businesswoman for five years now. She sells market food – palm oil, onions, margi (used to give sauce a sweet taste), peppers, etc. With her share of this loan, Elizabeth will buy the above-mentioned items in wholesale to add to her 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
  • 2
    View loans »
    Sierra Leone Loans Fundraising
  • $9,478,050
    Funds lent in using Kiva
  • 4,329.7
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A portion of Orjah Group's $475 loan helped a member to buy palm oil, onions, margi (used to give sauce a sweet taste), peppers, etc.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
May 14, 2013
Jun 17, 2013
Currency Exchange Loss:
Mar 20, 2014