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Together As One Group
In this Group: Kumba, Abibatu, Finda, Mariama, Marie
Meet the members of the Together As One group from Koidu, a city in Eastern Sierra Leone (their loan officer, Edward, is on the left). They are all local entrepreneurs who have come to SMT, a partner of, to apply for a 2,500,000 SLL loan that will break down to 500,000 SLL for each. With the help of this loan they will be able to expand their businesses, make more sales and consequently improve on their living conditions.

Kumba is the leader of this group. The 32-year-old is married to a medical technician, and they have five children, two of whom are attending school. For the past ten years Kumba has sold cigarettes, milk, toothpaste, toothbrushes, batteries, shoe polish, etc. With her share of this loan, she will buy the above-mentioned items in larger quantities to add to her existing stock.

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
  • 4,330.0
    Sierra Leone Leones (SLL) = $1 USD
A portion of Together As One Group's $600 loan helped a member to buy cigarettes, milk, tooth-pastes, tooth-brushes, batteries, shoe polishes, etc. in larger quantity to add to her existing stock.
Repayment Term
10 months (Additional Information)
Repayment Schedule
Jun 11, 2012
Jul 13, 2012
Currency Exchange Loss:
Aug 12, 2012