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Unity Group
In this Group: Julius T, Alansan T, Yussif , Saffia , Yayah M
Julius is the featured leader of this group of entrepreneurs. He was born in Kono 37 years ago. He is married to a trader and the couple has three children – two in secondary school and one in primary school. For six years now, Julius has been running a small shop where he recharges mobile phone batteries for a fee of 1,000 Sierra Leonean Leones (SLL), cuts men's hair and shaves or trims beards, and sells plastic water bottles.

Julius and his groupmates are requesting a loan of 800,000 SLL for each member in order to boost their respective businesses. Julius is going to use his share to buy chargers and other electrical equipment, barbering tools, and drinks to add to his business.

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
  • $10,068,550
    Funds lent in using Kiva
  • 4,339.9
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A portion of Unity Group's $925 loan helped a member to buy chargers and other electrical equipment, barbering tools, and drinks to boost his business.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Nov 13, 2013
Nov 25, 2013
Currency Exchange Loss:
Aug 17, 2014