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Mamoud S.'s Group
In this Group: Mamoud S., Patricia M., Fatmata Lovetta, Fatu C., Abu Bakarr, John Khelleh, Hawanatu Nancy, Fatu Oni
Pictured here are teachers of a primary school in Lunsar, a town in northern Sierra Leone. This group of hard-working and dedicated teachers has applied for a loan of SLL 19,700,000 for the entire group in order to meet their most immediate and most pressing financial needs. 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.

Mamoud is the featured leader of this group. Born in Portloko, Mamoud is married to a trader. He has nine children in his name, five of whom are attending primary and secondary schools. Mamoud has been a school teacher for many years now. He has requested this loan in order to buy house-building materials for the completion of a dwelling house he had begun constructing.

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
  • 51
    View loans »
    Sierra Leone Loans Fundraising
  • $9,344,750
    Funds lent in using Kiva
  • 4,327.9
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A portion of Mamoud S.'s Group's $4,575 loan helped a member to buy house-building materials for the completion of a dwelling house he had begun constructing.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Jun 18, 2013
Jul 24, 2013
Currency Exchange Loss:
May 17, 2014