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This is 30-year-old Hawa. She is married, and has two children who are 16 and 8 years old. She has one additional dependent who lives with her to help in the business. In 2002, Hawa established her drinks and provisions business. She began her business to meet the welfare of her children and her personal needs. Working 7 days a week and 10 hours a day, she earns about Le 1,800,000 every month from this business. She would like a loan of Le 4,000,000. Hawa has already received and successfully repaid two loans, and now requires a new loan in order to buy additional drinks and provisions. She hopes that this loan will enable her to increase her monthly profits by approximately Le 250,000. In the future, Hawa plans to improve the business and expand. 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
  • 2
    View loans »
    Sierra Leone Loans Fundraising
  • $9,478,050
    Funds lent in using Kiva
  • 4,310.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $950 helped Hawa to purchase drinks and provisions to sell.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Apr 4, 2012
Apr 18, 2012
Currency Exchange Loss:
Jan 15, 2013