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This is 56 year old Hawa. She is a widow and has 1 child aged 33 years. She has 2 additional dependents, who live with her for the purposes of schooling. In 1987, she established her business selling garri, beans, groundnuts and rice. She began her business because she wants to assist in taking care of the home. Her business is located in the outskirts of town and her main customers are women. Working 7 days a week and 10 hours a day, she earns about SLL 600,000 every month. Hawa requires a loan SLL 3,000,000 in order to purchase sacks of beans, rice, etc. for resale. She hopes that this loan will help her to purchase more of her business items. In the future, Hawa plans to erect a one-flat building at Rokel and on her two plots of land at Simma town. 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
  • 54
    View loans »
    Sierra Leone Loans Fundraising
  • $9,327,250
    Funds lent in using Kiva
  • 4,331.4
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $700 helped Hawa to buy more bags of groundnuts, beans, garri, rice, etc.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Dec 5, 2012
Dec 16, 2012
Currency Exchange Loss:
Nov 17, 2013