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Joy Group
In this Group: Sitta , Kumba, Isatu , Margaret , Jeneba
Salone Microfinance Trust (SMT), a partner of in Makeni, Northern Sierra Leone, is very pleased to present the “Joy” group. These are small scale entrepreneurs who are requesting a loan for 500,000 SLL for each member in order to invest in their businesses.

Sitta is the leader of this group. She is 33 years old, married, and has two children, one of whom attends primary school. A native of Sowa village, Sitta’s husband is also a businessman.

Sitta sells palm oil, salt, margi cubes (used to give sauce a sweet taste), pepper, etc., which she has been doing for three years. With the help of this loan, Sitta will invest in her business by buying the above mentioned goods in bulk to add to her current stock.

(Also included in the photo is Edmond A. Ndoinjeh, who is handing over the loan to the borrowers)

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
  • 14
    View loans »
    Sierra Leone Loans Fundraising
  • $9,542,800
    Funds lent in using Kiva
  • 4,300.0
    Sierra Leone Leones (SLL) = $1 USD