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Lahai Simah's Group
In this Group: Lahai Simah, Hassan , Sallu
In the picture above are teachers of a secondary school located in Kenema, a city in eastern Sierra Leone. School teachers usually come to Salone Microfinance Trust (SMT) to apply for loans. With the help of these loans, they are empowered to meet certain financial needs that are unattainable with their small salaries. Some of the most common loan uses are to pay school/college fees, either for themselves to pursue further studies or for their child's school/college fees, to invest in businesses, to buy furniture or a plot of land for future house construction, to buy house building materials, etc. At the end of each month, the teachers can easily repay the loan, using their monthly salaries. Their school's bursar is directly responsible for making the deductions and repayments on their behalf.

Lahai is the featured leader of this group of teachers. The forty-nine-year-old is a native of Kamboma, eastern Sierra Leone. Lahai is married and the father of two school-going children. He has been a school teacher for a number of years. Lahai has requested this loan in order to buy building materials for the construction of a house for his family.

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
  • 39
    View loans »
    Sierra Leone Loans Fundraising
  • $10,094,200
    Funds lent in using Kiva
  • 4,337.8
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A portion of Lahai Simah's Group's $1,600 loan helped a member to buy building materials for the construction of a house for his family.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Dec 10, 2013
Dec 30, 2013
Currency Exchange Loss:
Mar 31, 2016