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Muloma Association Group
In this Group: Isha , Baindu , Hawa , Mamie , Hawa
Pictured above are teachers of the Muloma Association from the eastern city of Kenema. This group of teachers have come to SMT, a partner of based in Makeni, northern Sierra Leone, to apply for a loan of 500,000 Leones for each in the group.

With the help of this loan, each of these borrowers will be able to add more inventories in their respective businesses. This will lead to more sales, more profit and improvement in their standard of living.

Baindu is the featured leader of this group. A native of Kailahun, the 32-year-old is married to a trader and the two have three children, one in primary school and two in secondary.

Baindu has been a businesswoman for many years now. She sells ready-to-wear clothes and has been running this type of business for many years now. With the help of this loan, she is going to buy a large number of ready-to-wear clothes to add to her current ones.

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
  • 46
    View loans »
    Sierra Leone Loans Fundraising
  • $10,094,200
    Funds lent in using Kiva
  • 4,329.1
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A portion of Muloma Association Group's $600 loan helped a member to buy a large number of ready-to-wear clothes to add to her current ones.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Nov 12, 2012
Dec 7, 2012
Currency Exchange Loss:
Sep 20, 2013