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This is thirty-two-year-old Margaret. She is married, and has three children aged two, six and ten. She has two additional dependents, who live with her because she is helping a late brother with his children’s education.

In 1994, Margaret established her textiles business. She began her business with help from her elder sister who has relocated to another town, and with the aim of being able to cater for the needs of her family. Working seven days a week and ten hours a day, she earns about SLL 1,700,000 every month from this business.

She would like a loan of SLL 4,500,000. Margaret has already received and successfully repaid one loan, and now requires a new loan in order to increase her stock. She hopes that this loan will enable her to increase her monthly profits by approximately SLL 350,000. In the future, Margaret plans to move from a stall to a shop. She hopes that the profit realized will help her to maintain a good home. The competition is high, but she can cope. 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
  • 4,325.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,050 helped Margaret to purchase textiles to sell.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Feb 15, 2012
Feb 20, 2012
Currency Exchange Loss:
Aug 15, 2012