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Hope To God Ii Group
In this Group: Ishmail, Hawa, Mamusu, Usman, Alie
Pictured here are members of the “Hope To God II” group from Waterloo, a small town in western Sierra Leone. They are small-business people who have come to SMT, a partner of Kiva, in order to seek a loan of SLL 4,000,000 for the entire group. With this loan, they will be able to add more goods to their businesses, attract more customers, make more sales and profit, and consequently improve on their living conditions.

The leader of this group of entrepreneurs is Ishmail K.. Ishmail was born in the village of Yoni, 47 years ago. He is married and has 6 children. His wife is a businesswoman and 5 of his children attending primary and secondary school. Ishmail sells books, soaps, tooth-pastes, batteries, milk, etc. and has been running this business for 10 years now. With his share of this loan, he will buy books, soaps, tooth-pastes, batteries, milk, etc. in large quantity to add to his business.

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
  • 45
    View loans »
    Sierra Leone Loans Fundraising
  • $10,082,750
    Funds lent in using Kiva
  • 4,300.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A portion of Hope To God Ii Group's $950 loan helped a member to buy books, soaps, tooth-paste, batteries, milk, etc., in large quantity to add to his business.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Mar 15, 2011
Apr 21, 2011
Currency Exchange Loss:
Feb 17, 2012