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Confidence Group
In this Group: Kumba , Mary , Christina , Mariama
Meet the members of the “Confidence” group from Koidu, a city in Eastern Sierra Leone. They are all local entrepreneurs who have come to SMT, a partner of, to apply for a loan of 500,000.00 Sierra Leonean Leones (SLL) for each in the group. With the help of this loan, they will be able to expand their businesses, make more sales and, consequently, improve their living conditions.

Mariama is the leader of this group. The 27-year-old is married to a trader, and they have two children. Mariama has been a businesswoman for five years; she sells market food -- rice, onions, pepper, palm oil (the country's most poplar cooking oil), salt, etc. Mariama has applied for this loan in order to buy a large quantity of rice, onions, pepper, palm oil, salt, etc., to add to her current stock.

(Also included in the right of the photo is Edward, loan officer in charge of the group)

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
  • 33
    View loans »
    Sierra Leone Loans Fundraising
  • $9,980,225
    Funds lent in using Kiva
  • 4,300.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A portion of Confidence Group's $475 loan helped a member to buy a large quantity of rice, onions, pepper, palm oil, salt, etc., to add to her current stock.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Aug 23, 2012
Oct 19, 2012
Currency Exchange Loss:
Jun 17, 2013