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Sahr M.'s Group
In this Group: Sahr M., Francis , Sahr
Salone Microfinance Trust (SMT), a partner of base in Makeni, Northern Sierra Leone is very pleased to present to you this group of teachers from Koidu, a city in Eastern Sierra Leone. They have come to Kiva to request a loan of 3,500,000.00 Sierra Leonean Leones to meet their immediate financial challenges. At the end of each month, they repay the loan using their monthly salaries.

Sahr (who is picture on the right) is the leader of the group. A native of Bandasuma, the 48 year old man is married to a trader and the couple has four children – two in primary school, one in secondary and one not of school age.

Sahr has been a teacher for 18 years. He has requested a loan to pay school fees for his children and use the rest to buy house building materials like cements, iron corrugated zincs for the construction of a 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 Sierra Leone

  • $2,100
    Average annual income
  • 14
    View loans »
    Sierra Leone Loans Fundraising
  • $9,542,800
    Funds lent in using Kiva
  • 4,330.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A portion of Sahr M.'s Group's $825 loan helped a member to pay school fees for his children and use the rest to buy house building materials.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Jun 11, 2012
Jul 13, 2012
Currency Exchange Loss:
Apr 21, 2013