A loan of $1,050 helped a member buy bags of cement.


Sylvanus A.'s Group's story

Pictured here are teachers from, a secondary school in Waterloo, a small town near Freetown. This school was established in 1925. Currently, the school has 17 teachers. Four of them have applied for a loan of SLL 1,000,000 for each person from SMT, a partner of Shine on Sierra Leone in Waterloo, and Kiva lenders.

School staff from this institution, like many other schools' staff within SMT’s operational areas, come to SMT to apply for loans. With the help of these loans, they can accomplish certain tasks that they would otherwise not have been 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.

Sylvanus A. K. (top left) is the head of this group. He has been in the teaching profession for 31 years. He was born in Waterloo, 20 miles from Freetown. He is age 51, married to a businesswoman, and they have 7 children between the ages of 8 and 21. With this loan, Mr. K. will buy house-building materials, bags of cement, for the completion for his house.

In this group: Sylvanus A., Fatu A. , Mabinty M., Alphues D.e.m.b.a
*not pictured



Loan details


Lenders and lending teams



Loan details