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Ta Ram Group
In this Group: Maseray, Mariatu , Mabinty
Here are Maseray K., Mariatu F. and Mabinty C.. They named their group "Ta Ram," a Temne phrase meaning “Let us pay back”. They are small-scale businesswomen from Makeni City who want a loan of Le 500,000 each to enable them expand their businesses. This will be their very first loan from SMT/Kiva. With this loan, they will be able to add more goods to their businesses so that they can attract more customers, make better sales, earn more profits and improve their living standards.

Maseray K. (on the left in the photograph) is the leader of the group. Maseray was born in a place call Masinra in Northern Sierra Leone. She is married to a teacher and they have four children. Maseray and husband work very hard to look after their children who still attending schools. All of their children attend primary schools, except for the youngest, who is still too young for school. Maseray sells market food: rice, palm-oil (the most popular cooking oil) and much more. Maseray has been a businesswoman for more than eight years.

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
  • 33
    View loans »
    Sierra Leone Loans Fundraising
  • $9,980,225
    Funds lent in using Kiva
  • 3,712.5
    Sierra Leone Leones (SLL) = $1 USD