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This is 34 year-old Jemilatu. She is married and has two children aged 7 and 9 years. Both are school-going children.

In 2010, Jemilatu established her ladies' shoe business. She began her business because she was not privileged to attend school as her parents did not value girls' education. She used to assist her aunt with business. Knowing her background, her husband gave her some amount of money to start business. Working 7 days a week and 10 hours a day, she earns about 1,600,000 SLL every month from this business.

She would like a loan in the amount of 3,000,000 SLL. She requires a loan in order to buy ladies' shoes and sandals (costing 2,800,000), and 200,000 SLL will be used for transportation.

In the future, Jemilatu plans to provide quality education for her children, open a shop, and build a house. The loan will help to accomplish some of her future plans. Competition is high, but with adequate help she will be able to lead in the market. She is a hard-working business woman. 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
  • 4,318.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $700 helped Jemilatu to buy more ladies' shoes.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Oct 17, 2012
Nov 18, 2012
Currency Exchange Loss:
Jun 17, 2013