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This is 40-year-old Hawa. She is married and has one child, age 18 years.

In 1990, Hawa established her palm oil and gari (a couscous-like grain made from grated cassava) business. She began her business because she wanted to assist in her child's education. Working seven days a week and 10 hours a day, she earns about SLL 600,000 every month from this business.

She would like a loan in the amount of SLL 3,000,000. Hawa now requires this loan in order to increase her stock of palm oil and gari. In the future, Hawa plans to own a store for herself and send her child to the university to study medicine. She is thanking 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
  • 30
    View loans »
    Sierra Leone Loans Fundraising
  • $9,391,500
    Funds lent in using Kiva
  • 4,362.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $700 helped Hawa to buy more quantity of palm oil and gari.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Jul 20, 2012
Aug 15, 2012
Currency Exchange Loss:
May 17, 2013