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Emma
This is 30 year-old Emma. She is married and has 4 children, aged 10, 13, 16 and 19 years. She has 1 additional dependent, who lives with her because she got her from the war.

In 2009, Emma established her onions, maggi (boullion cubes/powder), mayonnaise, salt, butter, pop corn, baking powder, ketchup etc. business. She began her business because she stopped schooling at form I due to poverty. She later got her teacher certificate and taught for 2 years but because of poor condition of service, she left and started a business.

Working 6 days a week and 11 hours a day, she earns about SLL 1,000,000 every month from this business. She would like a loan in the amount of SLL 3,000,000. Emma requires a loan in order to purchase Maggi - 4 cartons @ SLL 290,000, sugar - 2 bags @ SLL 255,000, vegetable oil - 5 rubbers @ SLL 160,000, tin tomatoes 12 cartons @ SLL 42,000, salt - 1 bundle @ SLL 20,000. The balance of SLL 6,000 will be used to pay laborers to carry the items.

In the future, Emma plans to acquire a shop, provide quality education for her children and to become an international business woman. 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
  • 31
    View loans »
    Sierra Leone Loans Fundraising
  • $9,245,200
    Funds lent in using Kiva
  • 4,320.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $700 helped Emma to buy maggi - 4 cartons @SLL 290,000, sugar - 2 bags @ SLL 255,000, vegetable oil - 5 rubbers @ SLL 160,000, tin tomatoes 12 cartons @ SLL 42,000, salt - 1 bundle @ SLL 20,000. The balance of SLL 6,000 will be used to pay laborers to carry the items.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jun 6, 2012
Listed
Jun 29, 2012
Currency Exchange Loss:
Possible
Ended:
Jan 15, 2013