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This is 45-year-old Hawa. She is married, with three children, ages 7, 12, and 22 years. She has three additional dependents, who live with her to help with the household chores.

In 2007, Hawa established her provisions, drinks, toiletries, and textiles business. The business started to help her husband manage the family's affairs. Working 7 days a week and 12 hours a day, she earns about SLL 2,051,000 every month from this business.

She would like a loan of SLL 3,000,000. Hawa requires a loan in order to expand her stock and increase her sales. She hopes that this loan will enable her to increase her monthly profits by some SLL 250,000.

In the future, Hawa plans to improve on the business and expand to trading in imported rice. She thinks the loan can improve the stock and maximize the 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
  • 16
    View loans »
    Sierra Leone Loans Fundraising
  • $9,478,075
    Funds lent in using Kiva
  • 4,325.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $700 helped Hawa to pay for more provisions, drinks, toiletries, and textiles to sell.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Aug 15, 2012
Aug 26, 2012
Currency Exchange Loss:
May 17, 2013