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Abbako Tech/voc Makeni Group
In this Group: Muctarr, Saidu Momoh, Abdul Dantly, Foday Thomas, Francis M., Bella, Idrissa, Bakindeh, Jane *
* not pictured
This group of borrowers are teachers and staff members of a technical vocational institute in Makeni town. The institute was established in 1985 to create “education for self reliance” for the children of Makeni and its environs. Today, the school has a total of twenty-three staff and 145 pupils. The institute is made up of a Junior Secondary School and a Tech Voc, where pupils are trained in various technical and vocational skills like weaving, tailoring, carpentry; “gara” tying and dyeing; secretariat and business study courses, and a lot more.

Teachers from this institution, like many other teachers within SMT’s operational areas, come to SMT to apply for loans. With the help of these loans, they can accomplish some certain tasks that they would otherwise have not being able to accomplish with their mere salaries alone. But with the help of this loan, some can pay school fees for their children; others can use the loan to buy pieces of furniture, a plot of land, house-building materials, or invest in business. At the end of each month, these teachers can repay the loan out of their monthly salaries. The institution’s bursar is directly responsible for deducting the repayment and pays SMT on their behalf.

Muctarr S. (back row, third from left) is the head of this group of teachers. The 47-year-old is a Head of Department at the institute. He has served at this institution for twenty-four years now.

Muctarr is married to a secretary and they have four children who are in secondary and primary schools respectively. With his share of this loan, Muctarr will buy house-building materials like cement and corrugated iron.

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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Sierra Leone

  • $2,100
    Average annual income
  • 45
    View loans »
    Sierra Leone Loans Fundraising
  • $10,082,750
    Funds lent in using Kiva
  • 3,900.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A portion of Abbako Tech/voc Makeni Group's $2,550 loan helped a member buy house-building materials like cement and corrugated iron.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Dec 16, 2009
Dec 19, 2009
Currency Exchange Loss:
Nov 15, 2010