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Agnes Group
In this Group: Kaday, Nasiratu
Pictured here are members of the 'Agnes' group from Makeni, a city in northern Sierra Leone. These women are small-scale businesswomen who have applied for a loan of SLL 1,000,000 for each person in the group from SMT, a partner of Kiva in Sierra Leone. With the help of this loan, they will be able to improve their businesses both in terms of size and quality.

Kaday K. is the leader of this group of two. Kaday is approximately 50 years old. She was born in Makeni, is married to a motor-mechanic, and they have six children – two in college and four in secondary school. Kaday has been selling market-food for quite a number of years now. With her share of this loan, she will further expand her business by buying packets of Maggi cubes (used to give sauce a sweet taste), bags of salt and rice, and gallons of palm oil (the most popular cooking oil).

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
  • 37
    View loans »
    Sierra Leone Loans Fundraising
  • $9,980,225
    Funds lent in using Kiva
  • 3,877.8
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A portion of Agnes Group's $525 loan helped a member buy packets of Maggi cubes, bags of salt and rice, and gallons of palm oil.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Mar 18, 2010
Apr 1, 2010
Currency Exchange Loss:
Feb 15, 2011