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Francess Lucia
This is 37-year-old Francess. She is married and has three children, ages 13, 12 and 9. She has two additional dependents who live with her because they assist with her family.

In 2010, Francess established her cosmetics business because she wanted to be self-reliant. Working six days a week and 13 hours a day, she earns about 1,450,000 Sierra Leone leones (Le) every month.

She would like a loan in the amount of Le 3,000,000 in order to buy additional cosmetics. She hopes that this loan will enable her to increase her monthly profits by approximately Le 290,000.

In the future, Francess plans to expand her business by adding another shop and would like to educate her children. She thanks you for your support.

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
  • 62
    View loans »
    Sierra Leone Loans Fundraising
  • $9,347,350
    Funds lent in using Kiva
  • 4,237.5
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $725 helped Francess Lucia to buy additional cosmetics.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Jan 25, 2011
Jan 26, 2011
Currency Exchange Loss:
Nov 23, 2011