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Sisters In Business Group
In this Group: David , Marieno , Hawa
David (left) is the leader of this group. He is fifty years of age. He was born in Yele Sanda village, four miles from Makeni City in northern Sierra Leone. He is married to a businesswoman and the two have eight children. Four of his children are in secondary school, three in primary school and one is still sucking. He has been a businessman for over twenty years now.

David sells market food. He sells pepper and palm-oil (the most popular cooking oil). With this new loan, he will expand on his business. He will be able to buy about four bags of pepper and three barters (five gallons make a barter) of palm-oil. He buys his goods from either the village called Kalamgba or Tambiama. A bag of pepper costs him Le 200,000 and a barter of palm-oil costd him Le 40,000 in either of these villages.

So far, David faces no serious challenge in his business that is worth noting. Business is going fine and smooth. He enjoys what he does for a living. To David and his colleagues in the group, an increase in profit means making their lives better. They will be able to take good care of their children, specifically with their educational and nutritional needs, and save some money for emergencies.

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
  • 43
    View loans »
    Sierra Leone Loans Fundraising
  • $10,094,200
    Funds lent in using Kiva
  • 3,045.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A portion of Sisters In Business Group's $1,000 loan helped a member to buy four bags of pepper and three barters of palm-oil.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Mar 17, 2009
Mar 21, 2009
Currency Exchange Loss:
Feb 15, 2010