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God Is With Us Group
In this Group: Abdul, Ramatu, Isatu, Kadiatu, Marie, Fatamata, Fatmata
This group is composed of Abdul K., Ramatu K., Fatmata K., Isatu K., Kadiatu K., Marie S. and Fatmata T.. They call their group "God Is With Us". They have received several loans through SMT. They have re-paid previous loans successfully. Their previous loan was for Le 1,000,000 each. That loan helped them a lot. They were able to make a lot of profit from the loan, thus able to solve many of their problems. Today, they are requesting a new loan for Le 1,200,000 each to add to their businesses.

Abdul (front right) is the leader of this group. Abdul was born in Roketeh, six miles from the city of Makeni, in northern Sierra Leone. He is thirty-five years of age, married with two children – one is in nursery school and the other is only an infant. Abdul also cares for two of his deceased elder brother’s children who are attending school. Abdul’s wife is a businesswoman. Abdul sells ready-to-wear clothes.

With this loan of Le 1,200,000, Abdul will buy about forty pairs of jeans and four dozen shirts. He travels to neighboring Guinea to buy the clothes, paying a round/trip fare of Le 60,000. In Guinea, a pair of trousers costs Le 25,000. He sells each pair in Sierra Leone for Le 30,000.

The only challenge Abdul is facing is that of bad debts. Sometimes relatives will borrow money from him and will never pay back. Apart from this, business is going fine and he enjoys doing it. Outside of his business, Abdul would like to do great things for himself. He would like to buy a plot of land for his family and eventually build a house.

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

  • $903
    Average annual income
  • 10
    View loans »
    Sierra Leone Loans Fundraising
  • $9,001,175
    Funds lent in using Kiva
  • 3,003.0
    Sierra Leone Leones (SLL) = $1 USD