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This is 39-year-old Hawa. She is married and has four children, ages 17, 15, 13 and 9. She has one additional dependent who lives with her – that is her mother. She is staying with her because she is aged.

In 1992, Hawa established her clothing and textiles business. She began her business because she wants to provide support to her husband in running their home and this is one of her major sources of income. Working 7 days a week and 10 hours a day, she earns about 600,000 leones (SLL) every month from her business.

Hawa would like a loan of 4,000,000 SLL. Hawa has already received and successfully repaid one loan and now requires a new loan in order to buy lace material, English wax cotton and dry cotton. She hopes that this loan will enable her to increase her monthly profits by approximately 320,000 SLL. In the future, Hawa plans to start running to Conakry for business, to complete the construction of her 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
  • 52
    View loans »
    Sierra Leone Loans Fundraising
  • $9,342,250
    Funds lent in using Kiva
  • 4,300.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $950 helped Hawa to buy lace material, English wax cotton and dry cotton.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Oct 17, 2012
Nov 4, 2012
Currency Exchange Loss:
Jul 17, 2013