C.r.c Primary School, Kabala Group
The school is still a new one with only classes one to five. Come next year, they will get their first group of pupils to write the National Primary School Examination (BECE). Only two years since its inception now, the school has gained a reputation for quality education. It is the only school in Kabala with a ratio of thirty pupils to one teacher. It has a very good resource center for both teachers and pupils. They encourage teachers from other schools to use their resource center. By comparison, their resource center is far more equipped than many secondary schools in the town (i.e. for the few schools that have a library). It is also the only primary school in Kabala that provides cooked rice to its pupils. Other primary schools either do not have this facility or manage to provide for their pupils with bulgur wheat supplied by the UNHCR.
This school is not a government-assisted school like the other schools in town; hence, it gets all these opportunities that are lacking in other primary schools. Its teachers receive their salaries from Frasirvalley Christian High School in Canada, and their salaries are said to be far better than government-sponsored schools. (Learn more about this school at http://kabalaschoolproject.blogspot.com).
The Christian Reform Church Primary School Kabala suffers from a few constraints. The school is situated far away from the town center, making it strenuous for both pupils and staff to come to school everyday. The continuing rise in the cost of food stuffs is also affecting the running of the school, and in addition to these, the school currently lacks enough drugs to give first aid to the children.
James T. K. (left) is the Head Teacher of the school. He was born in Koinadugu District and he is thirty-five years old. James is married and the couple have four children together: one is in secondary school, one in primary school, one in nursery and the last is still sucking. With this loan, James will buy building materials like bags of cement, truckloads of sand, and boards.
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.
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