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Denis F.'s Group
In this Group: Denis F., Frederick , Tamba , Alhassan , Komba S.
Pictured above are a group of teachers from the eastern city of Koidu/Kono. They have come to SMT, a partner of based in Makeni city in northern Sierra Leone, to apply for a loan of 6,700,000 SLL. With the help of this loan, they will be able to meet their immediate financial needs and then gradually repay the loan, using their monthly salaries.
Their leader is Denis. Born in Yengema in eastern Sierra Leone, the 56-year-old is married and has five children – three in primary school and two in secondary school. Denis has been a professional teacher for 35 years now. He has applied for this loan in order to pay school fees for his children and renovate his house. He will also invest some of the loan in 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
  • 35
    View loans »
    Sierra Leone Loans Fundraising
  • $9,980,225
    Funds lent in using Kiva
  • 4,436.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A portion of Denis F.'s Group's $1,525 loan helped a member to pay school fees for his children, renovate his house, and invest in business.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Oct 13, 2011
Oct 25, 2011
Currency Exchange Loss:
Sep 18, 2012