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Beliving God Group
In this Group: Mohamed , Isatu, Yeabu, Fanta
Pictured above are members of the "Beliving God" group from Makeni, a city in Northern Sierra Leone. This group of small-scale businesswomen has come to SMT, a partner of, to request a loan of 500,000 Sierra Leonean Leones for each in order to improve the size and quality of their respective businesses. In this way, sales and sales-to-profit-margin will improve for these borrowers. Consequently, they are being empowered to better support their children in terms of feeding, clothing and schooling.

The leader of this group is Isatu, a 44-year-old native of Yonie village married to a trader and the mother of four children - two in primary school, one in secondary and one an adult. Isatu sells market food such as palm oil (the most country's popular cooking oil), margi (used to give sauce a sweet taste), salt, pepper, etc., and has been a businesswoman for many years now. She has requested this loan in order to buy the above-mentioned items in large quantites to add to her current 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
  • 43
    View loans »
    Sierra Leone Loans Fundraising
  • $10,082,750
    Funds lent in using Kiva
  • 4,362.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A portion of Beliving God Group's $475 loan helped a member to buy palm oil, margi, salt, pepper, etc. in large quantities to add to her current stock.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Jul 11, 2012
Aug 15, 2012
Currency Exchange Loss:
Feb 18, 2013