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Morray's Group
In this Group: Morray , Gandi B., Janet , Woma S. , Elizabeth , Mamie M., Abdul K. , Karimu A.s , Ibrahim L.
Meet this group of teachers from one of the leading primary schools in Kenema, a city in eastern Sierra Leone. Built in 1953 by the Catholic Mission to help improve education in the district, this school is staffed with 18 teachers who serve 533 pupils. This is the first time teachers from this school are accessing a loan from SMT/Kiva lenders. With the help of this loan, these teachers’ standards of living will certainly improve.

Morray is the leader of this group of teachers. He is 29 years old. Morray was born in Deima, in eastern Sierra Leone. He is married and has one child who is attending primary school. Morray has served in the teaching profession for 11 years now. He has requested for this loan in order to invest it in petty trading. He will use his share of the loan to buy cotton clothes, jeans, shirts, etc.for resale.

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
  • $10,068,550
    Funds lent in using Kiva
  • 4,460.2
    Sierra Leone Leones (SLL) = $1 USD