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Hawa J., who trades in cutlery and enamel dishes, owns a shop in the central business area. She is married to a businessman and has three children, all in primary school. Hawa is requesting a loan to buy additional cutlery and enamel dishes from Freetown and Conakry to increase her stock, sales and profit, and hopes to use the proceeds of the loan to expand her business and educate her children up to the university level.

Additional Information

About the Association or Rural Development

The Association for Rural Development (ARD) is one of the leading microfinance institutions in Sierra Leone. Established in 1989, ARD has offered individual and group loans to support small-scale businesses across the country for two decades. You can learn more about ARD on its partner profile page, support the organization and its staff by joining the ARD lending team, or lend to another one of its borrowers currently raising funds on Kiva.

About Sierra Leone

  • $2,100
    Average annual income
  • 57
    View loans »
    Sierra Leone Loans Fundraising
  • $9,327,250
    Funds lent in using Kiva
  • 3,800.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,075 helped Hawa to buy additional materials for her business.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Dec 16, 2009
Dec 20, 2009
Currency Exchange Loss:
Aug 15, 2010