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This is 43-year-old Hawa. She is married and has three children who are 12, 21 and 18 years old. She has two additional dependents who live with her as sisters, helping with the business. In 2000, Hawa established her provisions and drinks business. She began her business in order to earn her living. Working 6 days a week and 10 hours a day, she earns about Le 700,000 every month from this business. She would like a loan of Le 3,000,000. Hawa requires a loan to buy provisions and drinks for Le 2,800,000 and to pay Le 200,000 for transportation. She hopes that this loan will enable her to increase her monthly profits by approximately Le 450,000. In the future, Hawa plans to open a big shop in the center of the town so that she can have more sales and realize more profit. 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
  • 21
    View loans »
    Sierra Leone Loans Fundraising
  • $9,379,975
    Funds lent in using Kiva
  • 4,330.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $700 helped Hawa to buy provisions and drinks and pay for transportation.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jun 6, 2012
Jun 12, 2012
Currency Exchange Loss:
Jan 15, 2013