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This is 27-year-old Seray. She is married and has three children, age 9, 7, and 4, all schooling. She has one additional dependent, who is staying with her for schooling.

In 2004, Seray established her cosmetics business to enable her to adequately support her kids, and she learned it through apprenticeship. Working seven days a week and 11 hours a day, she earns about SLL 260,000 every month from this business.

She would like a loan in the amount of SLL 4,000,000. Seray has already received and successfully repaid one loan and now requires a new loan in order to buy olive oil, lotion, hair products, cleansers and roll-ons. She hopes that this loan will enable her to increase her monthly profits by approximately SLL 260,000.

In the future, Seray plans to start traveling to Dubai, to erect a house and to educate her children. 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
  • 16
    View loans »
    Sierra Leone Loans Fundraising
  • $9,478,075
    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 cosmetics.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jul 4, 2012
Jul 27, 2012
Currency Exchange Loss:
Jan 15, 2013