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David D.'s Group
In this Group: David D., William A., Sylvia B., Fanny , Viola, Betty, Alie, Mabinty S.s., Yatta , Abioseh*, Muana , Francess*, Iye O., Fatmata O., Patrick A.*
* not pictured
These are staff members of an Institution in Sierra Leone. They have come to SMT, a partner of Shine on Sierra Leone in Waterloo to seek a loan in order to supplement their monthly salaries. With a loan, they can buy or invest in something that they could otherwise have not been able to do with their salaries alone. But with a loan, some of these staff can pay school fees for their children; others will use it to buy a piece of land for the purpose of constructing a house in the future; some will use it to buy house building materials; while others will use it to buy pieces of furniture or invest in a business.
The leader of this team of borrowers is David, on the left, back row. David is a Revenue Collector at the office and has been working in this capacity for nine years. He is forty-eight years of age, married to teacher and they have three children and four foster children. Two of their children are in primary school and five are in senior secondary school. David will use his share of the loan to pay school fees and other school related charges for his children and foster children.

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
  • 13
    View loans »
    Sierra Leone Loans Fundraising
  • $9,574,925
    Funds lent in using Kiva
  • 3,870.0
    Sierra Leone Leones (SLL) = $1 USD