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Sahr E.'s Group
In this Group: Sahr E. , Aiah David , Tamba Samuel , Morie Tapima Moi
Salone Microfinance Trust (SMT) is very pleases to present to you this group of primary school teachers from Koidu city in Eastern Sierra Leone. This group of teachers has come to SMT, a partner of Kiva, to apply for a loan. SMT/Kiva loans designed for teachers have proven to be very helpful to teachers. Usually, teachers’ salaries are small, making it impossible to invest in anything great. But with the help of these loans, they are now in positions to buy or invest in bigger things, and at the end of each month they repay the loan using their salaries.

Sahr is the leader of this group of borrowers. The 45 year old is a native of Ngandorhun village in Eastern Sierra Leone. A husband and a father of 2 children who are attending primary and secondary school, Sahr has been a teacher for 14 years now. With the help of this loan, he is going to buy house building materials – iron corrugated zinc sheets, sand, nails, cement, etc. - for the construction of a dwelling house.

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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Sierra Leone

  • $2,100
    Average annual income
  • 47
    View loans »
    Sierra Leone Loans Fundraising
  • $10,094,200
    Funds lent in using Kiva
  • 4,300.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A portion of Sahr E.'s Group's $1,525 loan helped a member to buy house building materials - iron corrugated zinc sheets, sand, nails, cement, etc. - for the construction of a dwelling house.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Feb 17, 2012
Feb 25, 2012
Currency Exchange Loss:
Jan 15, 2013