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Mary J.'s Group
In this Group: Mary J., Balla , Amara , Joseph J., Tamba , Almamy , Alie , Hassan , Agnes , Ibrahim
These are teachers of a primary school located in Kenema, a city in Eastern Sierra Leone. The school serves above 1,000 pupils and employs sixty teachers. In operation for fifty-nine years, the school receives support from the government to help cover its operating costs.

However, for many of the teachers here, life can be a struggle. Many teachers therefore engage in side projects and small businesses in order to supplement (or in some cases replace) their salaries, and these teachers are collectively seeking a loan of 5 million 4 hundred thousand SLL from SMT and Kiva lenders.

Mary is the leader of this group of teachers. She is forty-seven-years old. Mary is married and together they have two children. Mary plans to use her portion of the funds to pay school fees and other school charges for her children.

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
  • 32
    View loans »
    Sierra Leone Loans Fundraising
  • $9,980,225
    Funds lent in using Kiva
  • 4,300.0
    Sierra Leone Leones (SLL) = $1 USD