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Samuel B.'s Group
In this Group: Samuel B., Sherieff F., Menseh B.a., Amadu , Alusine Sahio, Mohamed M., Alimany Bai., Ibrahim , Sahid I
In the picture above are a group of primary school teachers located in Waterloo, a town near Freetown, Sierra Leone’s capital city. This group of teachers is applying for a loan of SLL 11,400,000 from Kiva’s field partner, SMT. School staff and other salaried workers normally come to SMT to apply for loans.

With these loans, they are empowered to meet certain financial challenges that they cannot meet, left alone with their salaries. However, with the help of SMT/Kiva lenders' loans, some of these borrowers will be able to pay school fees for their children, invest in businesses, buy housebuilding materials or pieces of furniture, etc. At the end of each month, their school’s bursar directly deducts their total repayment amounts owed and repays SMT/Kiva lenders on their behalf.

The featured leader of this team is Samuel. Thirty-eight-year-old Samuel is a native of Kalangba village, in northern Sierra Leone. He is a husband to a businesswoman and a father of 6 children, 4 of whom are attending primary school and the others are still not of school-going age. Samuel is a professional school teacher and has been in the teaching profession for 11 years now. He has requested this loan in order to pay college fees for himself. Samuel is pursuing further studies in college.

(These teachers came to the office in two separate batches to collect the loan, hence two different photos attached together.)

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
  • 4,328.3
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A portion of Samuel B.'s Group's $2,650 loan helped a member to pay college fees for himself. Samuel is pursuing further studies in college.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
May 13, 2013
Jun 13, 2013
Currency Exchange Loss:
Mar 20, 2014