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Osam Group
In this Group: Fatmata , Mariatu , Kadiatu , Rugiatu , Rugiatu
Pictured here are members of the Osam Group. They are small-scale businesswomen based in Lunsar, a town in northern Sierra Leone. Together, they are applying for a loan of 5,400,000 Sierra Leonean Leones (SLL) in order to enable them to further expand their respective businesses. Consequently, they will make more profits and improve their standards of living.

The featured leader of this group is Fatmata. She is 35 years old and was born in northern Sierra Leone. She is married and has three children. Her husband is a businessman and her children are attending primary and secondary schools. For the past 15 years, Fatmata has been selling grocery store goods like milk, sugar, soft drinks, butter, biscuits, etc. With this loan, she will expand her business by buying the previously mentioned items in larger quantities to add to her current stock for sale.

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
  • 5
    View loans »
    Sierra Leone Loans Fundraising
  • $9,478,050
    Funds lent in using Kiva
  • 4,338.4
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A portion of Osam Group's $1,250 loan helped a member to buy milk, sugar, soft drinks, butter, biscuits, etc. in larger quantities to add to her current stock of grocery store goods for sale.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Oct 18, 2013
Nov 18, 2013
Currency Exchange Loss:
Jul 17, 2014