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A And J Group
In this Group: Jariatu , Isatu
In the photo are members of the “A and J” group. They are small-scale businesswomen based in Makeni, a city in northern Sierra Leone. They have come to SMT, a partner of, to seek for a loan of 1,200,000 Sierra Leonean Leones (SLL) in order to further expand their business.

The leader of this group is Jariatu who is pictured on the right. Jariatu is age 36; she was born in Makeni city where she is currently residing together with her husband and four children. Her husband is a businessman too and her children are attending primary and secondary schools. For many years now, Jariatu has been a businesswoman. She owns a general store. With her share of this loan, she is going to buy sugar, mints, slippers, etc., in a large quantity to add to her business.

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
  • 29
    View loans »
    Sierra Leone Loans Fundraising
  • $9,574,925
    Funds lent in using Kiva
  • 4,310.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A portion of A And J Group's $575 loan helped a member to buy sugar, mints, slippers, etc., in a large quantity to add to her business.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
May 8, 2012
May 22, 2012
Currency Exchange Loss:
Mar 18, 2013