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Haja Ramatu
This is 43-year-old Haja Ramatu. She is married with six children aged 6, 9, 11, 14, 16 and 20 years old. In 1982, Haja Ramatu established her cosmetics/jewelry business.
Haja Ramatu was introduced to this type of business by her Aunty. Working six days a week and 10 hours a day, she earns about Le 1,200,000 every month from this business. She would like a loan in the amount of Le 5,000,000.
Haja Ramatu has already received and successfully repaid one loan, and now requires a new loan in order to buy more stock (jewels and body cream). She hopes that this loan will enable her to increase her monthly profit by approximately Le 300,000.
In the future, Haja Ramatu plans to buy land, educate her children and open a big cosmetics shop. 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
  • 57
    View loans »
    Sierra Leone Loans Fundraising
  • $9,327,250
    Funds lent in using Kiva
  • 4,319.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,175 helped Haja Ramatu to buy jewelry and body cream for her business.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Jul 14, 2011
Aug 4, 2011
Currency Exchange Loss:
Jun 16, 2012