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This is 27-year-old Salamatu. She is married and has one child, aged 8. In 2005, Salamatu established her business of selling cloth. She began her business just to empower herself. Her business is located in the heart of town, and her main customers are women. Working seven days a week and 11 hours a day, she earns about 300,000 SLL every month from this business.

She would like a loan in the amount of 3,000,000 SLL. Salamatu requires a loan in order to purchase additional stock, 1,500,000 SLL worth of wax cotton, and 1,500,000 SLL worth of local cotton. She hopes that this loan will enable her to start traveling to Guinea for business. Salamatu plans to move from her current location to a more attractive one, and also to secure a plot of land, in the future. She is saying thanks to Kiva

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
  • 54
    View loans »
    Sierra Leone Loans Fundraising
  • $9,327,250
    Funds lent in using Kiva
  • 4,318.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $700 helped Salamatu to buy more cloth for her shop.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Nov 7, 2012
Nov 18, 2012
Currency Exchange Loss:
May 17, 2013