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This is 44 year-old Seray. She is married, and has 5 children aged 17, 16, 10, 8, and 6 years of age. She has no additional dependents living with her. In 2010, Seray established her cosmetics business. She began her business to earn a living. Working 7 days a week and 10 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. Seray requires a loan to buy 10 cartons of assorted cosmetics @Le 3,500,000, with Le 500,000 for transportation.

She hopes that this loan will enable her to increase her monthly profits by approximately Le 429,000. Seray is excited for the loan and she is planning to expand her business. She also hopes to see her only daughter educated to university level. Honest and hardworking, Seray 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
  • 4,310.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $950 helped Seray to buy 10 cartons of assorted cosmetics.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jun 6, 2012
Jun 10, 2012
Currency Exchange Loss:
Aug 17, 2012