Zainab Harding

Thank you for your loan. It has been disbursed to Zainab Harding by CCF - Salone Microfinance Trust in Sierra Leone. We are excited to watch this business grow. Over the next 12 - 18 months, CCF - Salone Microfinance Trust will be collecting repayments from this entrepreneur and posting progress updates on the Kiva website.

Zainab thanks Kiva for the loan of $1200. She has good business skills, and with the loan was able to diversify her business for additional income. She bought a motorbike to provided transport services to the community and invested part of her loan in other goods such as chicken stock, candies, clothes etc. She supplies female retailers in the local market and collects repayments from them weekly. Zainab earns an average of $173 per month from the motorbike and $200 from the general business. Her profit has increased drastically so she has no problem in paying her loan and meeting other family expenses. Two of her children will join college this semester and she will be able to meet the cost. She has also created employment for one young adult as a motorbike driver.

Zainab is very grateful to Kiva. She discovered that, there is great need for a certain type of cotton materials in the villages and surroundings of makeni town. She purchased the materials from Guinea and distribute them to her customers. and collects to cahs bi-weekly. Dhe is making good profit. Zainab said, this is because the loan enabled her to generate income from shop, and diversified her business. Zainab is planning to involve one of her children in the business to assist her with the work lord. She is very happy that she can pay her children's school fees without problems, and the family can afford to purchase a bag of rise per month.