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Yaya's Group
In this Group: Yaya, Nanah, Brima G., Mary *, Mohamed , Kadiatu S., Ernestine H., Alhaji O. *, Hassan M., Paul J., Abdul Y. , Brima, Patrick O. *, Alie , Mary , Aminata K.
* not pictured
Meet with the teachers of The SLC (Sierra Leone Church) Primary School, Makeni. The school was built by the Anglican Mission in 1914 and is the oldest school in Makeni City.

This is the second loan that teachers of SLC school will be accessing from SMT/Kiva. With the help of their previous loan, some of these borrowers were able to invest their loans into businesses, others bought pieces of furniture, some paid school fees, etc. Having repaid their previous loan successfully, they are now seeking a second loan.

Yaya M. (who is pictured on the left in the first row) is the headmaster at the school. He has been a teacher for twenty-nine years now. He is age forty-two. He was born in Makeni city in northern Sierra Leone and is married with five children: one is already grown-up, two are in primary schools, one is in secondary school and the other one is in college.

Mr. M. will invest this loan in his business. He sells local produce like palm-oil (the most popular cooking oil), rice, beans, groundnuts (peanuts), etc., and has been selling local produce for thirteen years now. He will use this loan to buy palm-oil, rice, beans, groundnuts, etc., wholesale to add to his business.

Mr. M. depends on the income from his small business to supplement his monthly salary.

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
  • 14
    View loans »
    Sierra Leone Loans Fundraising
  • $9,542,800
    Funds lent in using Kiva
  • 3,915.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A portion of Yaya's Group's $4,225 loan helped a member to buy palm-oil, rice, beans, groundnuts, etc., wholesale to add to his business.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
May 3, 2010
May 19, 2010
Currency Exchange Loss:
Mar 24, 2011