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Umaru J.
Umaru J. B. was born in Kabala. He is 38 years old. He is married to a business woman and they have three children: one in secondary school and two in primary school. He is a businessman in Kabala, selling cosmetics and pharmaceuticals.

Umaru previously received a loan of Le 2,000,000.00 from Kiva through SMT, a loan he repaid successfully. That loan helped him a lot by enabling him to increase the size of his business and the profit he makes.

Umaru is now seeking a loan of Le 3,500,000.00 to further improve his business. With this loan, he will travel to Freetown to buy more commodities at cheaper prices. In this way, he will be able to maximize his profit and improve his family's standard of living.

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.

About Sierra Leone

  • $2,100
    Average annual income
  • 29
    View loans »
    Sierra Leone Loans Fundraising
  • $9,391,500
    Funds lent in using Kiva
  • 2,930.0
    Sierra Leone Leones (SLL) = $1 USD