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St. Joseph Vocational Group
In this Group: Florence K., Augustine B., Esther S., Abibatu M.a., Janet A., Agness K., Theresa C., Ramatu T., Mariatu
These people are the staff of the St. Joseph Vocational Institute, Magburaka, Tonkolili District, Northern Sierra Leone. The institute was founded in 1985 by the Catholics of St Joseph of Cluny, and is the only formal institution in Magburaka that is geared towards the development of girls and young women. Their goal is to educate them and develop skills that will enable them to become self reliant. Thus they offer courses like computer science, typing, agriculture, tailoring, dyeing, hair dressing, catering and weaving. They serve mainly girls who can not make it in the formal schooling sector.

This will be the second loan St. Joseph Vocational Institute is requesting from Kiva through SMT. Their previous loan was a great help to these teachers. Some of them invested theirs in business, others used theirs to settle their children's school affairs and others use theirs to buy pieces of furniture.

Florence K. Y. is the head mistress of the school. Mrs. Y. (back right in pink) was born in Magburaka. She is 39 years old, married to a teacher and the mother of four children. Three of her children are in secondary schools and the fourth is in primary school. Mrs. Y. invested her previous loan in the education of her children. This time she would like to use part of it to buy herself a plot of land and the balance she will use in her children's schooling.

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
  • 29
    View loans »
    Sierra Leone Loans Fundraising
  • $9,391,500
    Funds lent in using Kiva
  • 2,986.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A portion of St. Joseph Vocational Group's $3,400 loan helped a member buy a plot of land and invest in the children's education.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Oct 24, 2008
Oct 9, 2008
Currency Exchange Loss:
Sep 15, 2009