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Join Hand Group
In this Group: Mary , Hawa , Diana , Esther , Fatmata
Salone Microfinance Trust (SMT), a partner of in Makeni, northern Sierra Leone is very pleased to present to you members of the “Join Hand” group. These are small-scale entrepreneurs who have come to SMT/Kiva lenders to request for a loan of 500,000.00 Sierra Leonean Leones for each in order to invest in their respective businesses.

Hawa is the featured leader of this group. Hawa is 27 years old, and she is married with 1 child. Her husband is a diamond miner, and her child is attending primary school. Hawa sells food at a market - rice, palm oil, margi (used to give sauce a sweet taste), salt, pepper, etc., and has been doing this type of business for 3 years now. She has requested this loan in order to buy rice, palm oil, margi, salt, pepper, etc., in larger quantities 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
  • 46
    View loans »
    Sierra Leone Loans Fundraising
  • $10,094,200
    Funds lent in using Kiva
  • 4,326.9
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A portion of Join Hand Group's $600 loan helped a member to buy rice, palm oil, margi, salt, pepper, etc., in larger quantities to add to her current stock.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Mar 13, 2013
Apr 10, 2013
Currency Exchange Loss:
Dec 17, 2013