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Mariama's Group
In this Group: Mariama , Justin Moses, Francis Lansna, Keikula , Patrick A. , Sylvester , Cherinor , Zainab J.
Salone Microfinance Trust (SMT), a partner of with headquarters in Makeni city in Northern Sierra Leone, is very pleased to present to you for the second time, this group of teachers from Kenema, a city in Eastern Sierra Leone. Having repaid their last Kiva loan successfully, they have again come to SMT/Kiva lenders to seek a new loan of 15,000,000 Sierra Leonean Leones. With the help of this new loan, they will be able to meet their immediate financial challenges. At the end of each month, they will then repay the loan, using their monthly salaries. Their bursar is directly responsible for doing the deductions and making the repayment to SMT/Kiva lenders on their behalf.

Mariama is the leader of this group of teachers. Mariama is 35. She is married and has 1 child who is attending primary school. Mariama has been in the teaching profession for 9 years now. She has requested this loan in order to buy house building materials like corrugated iron zincs, cements, nails, etc. for the completion of a family house she began building with her first Kiva loan.

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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Sierra Leone

  • $2,100
    Average annual income
  • 38
    View loans »
    Sierra Leone Loans Fundraising
  • $10,068,550
    Funds lent in using Kiva
  • 4,349.8
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A portion of Mariama's Group's $3,450 loan helped a member to buy house building materials like corrugated iron zincs, cements, nails, etc. for the completion of a family house she began building with her first Kiva loan.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Sep 5, 2012
Oct 4, 2012
Currency Exchange Loss:
Aug 17, 2013