A loan of $3,025 helped a member to buy local produce like rice, palm-oil, etc., in bulk to add to his current stock. He can also use part of the loan to take care of his home.


Osman Joseph's Group's story

Salone Microfinance Trust (SMT) is very pleased to present to you this group of teachers from Waterloo, located about 22 mile from Freetown, Sierra Leone's capital city. This group of teachers have come to SMT/Kiva lenders to solicit a loan of 13,000,000 Sierra Leonean Leones in order to meet their immediate financial challenges. At the end of each month, they will repay the loan using their monthly salaries. Their school’s bursar is directly responsible for making the repayment on their behalf.

Osman is the leader of this group of teachers. The 37 year-old is a native of Freetown. He is married to a trader and has 2 school-aged children. Osman has been a teacher for many years now. In addition to his teaching profession, Osman is also a businessman. He has been doing business for 5 years now. As teachers' salaries are normally small, his business helps him earn extra money to complement his monthly salary. Osman has requested for this loan in order to expand his business by buying local produce like rice, palm-oil, etc., in bulk to add to his current stock. He can also use part of the loan to take care of his home.

In this group: Osman Joseph, Abdul Rahman , Fatmata B. , Ann-Marie , Margaret , Kadiatu , Lansana , Abdulia Kissma*
*not pictured



Loan details


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Loan details