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This is 31-year-old Bilkisu. She is married and has three children aged six, fifteen and eighteen years. All three are school-going children. In 2009, Bilkisu established her gara tie-dyed clothing business (cola, bamakoh, batik, colingane, etc.). She began her business as she used to assist her mother in business after school hours. She didn't further her schooling because of lack of sponsorship and therefore continued to assist her mother until she got married. Knowing her business background, her husband gave her some money to start the same kind of business in which she used to assist her mother. Working seven days a week and eleven hours a day, she earns about Le 3,519,000 every month from this business.

Bilkisu would like a loan in the amount of Le 5,000,000. She requires the loan in order to buy brillian material (one bale at Le 4,000,000) and caustic soda (eight bags at Le 120,000). The balance of Le 40,000 will be used for transportation.

In the future, Bilkisu plans to build a house, acquire a shop, educate her children and become an international business woman. This loan will help to increase her income and improve her business. Sometimes the gara tie-dyed clothing will not be of as good quality after production as expected. She is a hardworking and trustworthy businesswoman. 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
  • 22
    View loans »
    Sierra Leone Loans Fundraising
  • $9,379,975
    Funds lent in using Kiva
  • 4,354.3
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,150 helped Bilkisu to buy Brillian Material - 1 bale @ Le4,000,000, Caustic Soda - 8 bags @ Le120,000. The balance Le40,000 will be used as transportation.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Sep 19, 2012
Oct 12, 2012
Currency Exchange Loss:
Mar 17, 2014