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This is 36-year-old Kula. She is married and has three children aged 17, 12, and 9. Living with her also is her sales assistant. In the year 2000, Kula established her foodstuff business. She began her business because she wanted to enhance her independence and to assist her husband in settling some domestic problems.

Working 7 days a week and 11 hours a day, she earns about 1,200,000 Leone (SLL) every month from this business. She would like a loan in the amount of 4,000,000 SLL. Kula requires a loan in order to buy brown bulgur, white bulgur, corn flower, and palm oil.

She hopes that this loan will enable her to increase her monthly profits by approximately 300,000 SLL. In the future, Kula plans to own a larger store, to erect a house and to continue with A.R.D. until she is financially strong. 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
  • 4,436.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $925 helped Kula to buy palm oil, corn flower and brown bulgur for her business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Oct 14, 2011
Oct 25, 2011
Currency Exchange Loss:
May 16, 2012