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This is 37-year-old Halimatu. She is married and has 3 children ages 15, 12 and 9 years. She has one additional dependent, who lives with her because she is her friend’s daughter from the village. In 2001, Halimatu established her provision shop business. She began her business because she gained experience from her husband and the two decided that she should start her own business in a new location. Working seven days a week and 12 hours a day, she earns about Le 1,000,000 every month from this business. She would like a loan in the amount of Le 4,000,000. Halimatu has already received and successfully repaid two loans, and now requires a new loan in order to buy additional provisions such as sugar, sardines, margarine, milk, tea and coffee for her business. She hopes that this loan will enable her to increase her monthly profits by approximately Le 200,000. In the future, Halimatu plans to build a house of her own. Halimatu was much excited about her previous loan because it helped her to increase her sales and get more customers. 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
  • 52
    View loans »
    Sierra Leone Loans Fundraising
  • $9,342,250
    Funds lent in using Kiva
  • 4,317.8
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $950 helped Halimatu to buy additional provision such as sugar, sardines, margarine, milk, tea and coffee for her business.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Aug 5, 2011
Aug 22, 2011
Currency Exchange Loss:
Sep 15, 2012