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This is 34-year-old Emma. She is married and has three children, aged 11, 17 and 20 years; two are school-going children, and the other is assisting Emma in business. She has one additional dependent, who lives with her in the big town.

In 1996, Emma established her business of selling local foodstuff such as rice, garri (dried cassava tubers) and palm oil. She began her business because she learned it from her mother, whom she was assisting until she had her own business.

She makes a good profit from this business. Working six days a week and seven hours a day, she earns about 924,000 Sierra Leone leones (Le) every month from this business. She would like a loan in the amount of Le 5,000,000. Emma has already received and successfully repaid two loans, and now requires a new loan in order to buy 40 rubbers of palm oils at Le 110,000 and 30 bags of garri @ Le 45,000. She hopes that this loan will enable her to increase her monthly profits by approximately Le 300,000.

In the future, Emma plans to open a big outlet and see her children through their education and be better people. She also hopes to build a house.

The increasing transport costs affect her greatly. Although competition is high, she attracts more customers by giving them a quality product. She serves mainly the people of the main market and the surrounding area. She has a quality product, that’s why her business is popular. She has one worker and normally buys her goods in the southern part of the country, usually going two times per month by motor vehicle.

She plans to save some of her profits as she has a project in hand and also use the balance to add to her operating capital. She interacts well and she is hardworking. "I have benefited a lot from micro-loans," said Emma. 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
  • 51
    View loans »
    Sierra Leone Loans Fundraising
  • $9,344,750
    Funds lent in using Kiva
  • 4,368.5
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,150 helped Emma to pay for palm oil and 30 bags of garri.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Jul 14, 2011
Jul 25, 2011
Currency Exchange Loss:
May 16, 2012