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Ballay, aged 42, is married and has three children aged 20, 19 and 16. In 1993, Ballay established her foodstuff business (selling rice, oil, flour and sugar). She began her business because she wanted to raise income to support her family. Working seven days a week and nine hours a day, she earns about Le 500,000 every month.

Ballay would like a loan of Le 3,000,000 to meet the needs of her customers as the month of Ramadan approaches. In the future, she plans to give her children a quality education and to become a supplier of rice and vegetable oil. Ballay 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
  • 51
    View loans »
    Sierra Leone Loans Fundraising
  • $9,347,350
    Funds lent in using Kiva
  • 4,315.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $700 helped Ballay to buy more items like rice, oil, flour and sugar to sell.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Jul 18, 2012
Aug 13, 2012
Currency Exchange Loss:
Jun 17, 2013