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Lucia M
Lucia is 46. She is married and has two children, ages nine and four. She has two other dependents living with her because her friends gave them to her.

In 2007, Lucia established her cosmetics and artificial hair business. She started the business because she wanted to help her husband provide a livelihood for their family. Lucia works six days a week and eight hours a day, and she earns about Le 1,000,000 every month.

Lucia would like a loan of Le 5,000,000. She has successfully repaid four previous loans in the group loan format, and now she needs a new loan to buy more cosmetics and artificial hair. She hopes this loan will increase her monthly profits by approximately Le 300,000. In the future, Lucia plans to get a bigger shop so she can attract more customers and buy a piece of land. 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
  • 5
    View loans »
    Sierra Leone Loans Fundraising
  • $9,478,050
    Funds lent in using Kiva
  • 4,350.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,150 helped Lucia M to buy more cosmetics and artificial hair for her business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 4, 2011
May 14, 2011
Currency Exchange Loss:
Jun 16, 2012