A loan of $1,450 helped a member buy house-building materials for the construction of a family home.


Michael M.w.'s Group's story

Salone Microfinance Trust (SMT), a partner of Kiva.org in Makeni, northern Sierra Leone, is pleased to present to you teachers of the Feredugu R.C. Primary School. This school was founded on the 9th of September 1960 by the Catholic Mission to foster education in the Chiefdom. Currently, the school is staffed with eight teachers and has 400 pupils.

This is the first loan that this school has applied for from SMT/Kiva lenders. Michael M.W. D. (who is sitting in front) is their leader and headmaster at the school. The fifty-eight-year-old Michael was born in Kambia, a town in northern Sierra Leone. He has been in the teaching profession for thirty-eight years now. He is married to a teacher and they have eight children - two are in secondary school and one is in college; the rest are now grown-ups and living on their own.

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 be 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.

Mr. D., leader of this group, has requested this loan in order to construct a dwelling for his family. “This loan will ease some of my difficulties,” said Mr. D., “and will be a great development aid for my family,” he concluded.

In this group: Michael M.w., Samuel S., Frank, Mohamed, Moiwo Andrew*, Unisa B.
*not pictured



Loan details


Lenders and lending teams



Loan details