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Fawe Secondary School, Waterloo Group
In this Group: Aminata Victoria, Momodu G., Rebecca , Foday , Morray, Denka , Sidikie , Abdulrahman, Lucy , James S.*
* not pictured
These folks are teachers at the Forum for African Woman Educationalists (FAWE). This is a Junior Secondary School with classes I – III. It was built for girls in September of 2005 by FAWE, a local NGO, for the promotion of the girls' education. The school has a total number of 296 pupils and with a staff of nine teachers and two security guards.



Last academic year, the school sent thirty-three candidates for the Basic Education Certificate Examination (NPSE) and twenty-six candidates passed with flying colors. This was a very good result by national standards. FAWE, a donor-supported school, is the only school in Waterloo small-town that teaches basic computer skills to its pupils. However, to assist other schools, FAWE allows pupils from other schools to take computer lessons in their school.



Teachers and other professional workers come to SMT to seek loans for different reasons. For some, since salaries are usually very small, they are prompted to engage themselves in businesses to supplement their meager salaries. Others, however, can not directly do business themselves; rather, they will invest whatever little they have into their wives’ businesses. Some seek a loan in order to pursue further studies or to pay school fees for their children. And others want a loan in order to buy pieces of furniture like chairs or a bed. Some want to either start building a house or continue with a house-building project they have already begun. It is for some of these reasons that teachers from FAWE have come to SMT to seek a loan.



Aminata Victoria L. (first row, second from right) is the acting principal of the school. She has been in the teaching profession for thirty-three years. She was born in Songo, about eight miles from Waterloo. She is fifty-five, a widow with five children. Two of her children are grown-ups, one is in his second year in Fourah Bay College, University of Sierra Leone, the next is in Port Loko Teacher’s Training College and the last is in secondary school. With this loan, Mrs. L. will pay for her two children in college. This will make her a happy woman as she was having sleepless nights wondering where to get the money to pay her children's fees.



Note: SMT has just opened a new branch in Waterloo and teachers of FAWE are the first individuals to collect a loan from this branch. Waterloo is twenty miles (32 km) from Freetown.

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
  • 42
    View loans »
    Sierra Leone Loans Fundraising
  • $9,192,975
    Funds lent in using Kiva
  • 3,010.0
    Sierra Leone Leones (SLL) = $1 USD