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Desmond Massuba's Group
In this Group: Desmond Massuba , Eric Tamba , Andrew Sahr , Alfred Hamed
Salone Microfinance Trust (SMT), a partner of based in Makeni, is very pleased to present to you this group of teachers from Koidu, a city in eastern Sierra Leone. They have come to SMT/Kiva lenders to seek a loan of 5,600,000 SLL in order to meet their immediate financial challenges. At the end of each month, they will repay the loan using their monthly salaries.

Desmond is the leader of this group of teachers. Desmond was born in Jaima Sewafeh in eastern Sierra Leone. He is fifty-six years old and married to a nurse. The couple has three children together. Two are in college and the other is not of school-going age. Desmond has been a teacher for twenty-seven years. He has requested this loan in order to pay college fees both for his children and for himself in order to pursue further studies.

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
  • 46
    View loans »
    Sierra Leone Loans Fundraising
  • $10,068,550
    Funds lent in using Kiva
  • 4,370.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A portion of Desmond Massuba's Group's $1,300 loan helped a member to pay college fees both for his children and for himself to pursue further studies.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Jan 16, 2012
Jan 14, 2012
Currency Exchange Loss:
Nov 17, 2012