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Tity B.'s Group
In this Group: Tity B. , Esther M., Isatu , Rugiatu , Kadiatu N., Rebecca A., Salamatu
Pictured above are teachers of one of the primary schools in Makeni, a city in Northern Sierra Leone. Their school was set up to promote girl-child education in the district. The school is staffed with nineteen employees and has an enrollment of 750 pupils.

The staff of this institution, like many other schools’ staff within SMT’s operational areas, come to SMT (a partner of to apply for loans. With the help of these loans, they can accomplish certain tasks that they would otherwise be unable to accomplish with their mere salaries. Some can pay school fees for their children; others can use the loan to buy furniture, land or house-building materials; others 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.

Thirty-nine-year-old Tity is the leader of this group of teachers. She was born in Makeni. Tity is a widow. Her one child is attending primary school. She has served in the teaching profession for five years now. She has requested this loan in order to invest in her business. She has been doing business for four years now. With this loan she is going to buy women’s clothes, weavons, and sandals to sell.

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
  • 4,300.0
    Sierra Leone Leones (SLL) = $1 USD