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Sao I.

Update on Sao I.

This is 40 year-old Sao. She is married and has four children aged three, five, eight and fourteen; three are attending school. She has one additional dependent who lives with her to assist an in-law with her child's education.

In 2007, Sao established her used clothing business. She began her business to assist her husband in maintaining their home. Her business is located in the city center and her main customers are women. Working seven days a week and ten hours a day, she earns about Le 1,821,000 every month from her business.

She would like a loan in the amount of Le 5,000,000. Sao has already received and successfully repaid 3 loans, and now requires a new loan in order to buy women's clothing. She hopes that this loan will improve her stock increase her profit. In the future, Sao plans to open an outlet for her younger brother in the central market. She thanks you for your support.

Previous Loan Details

This is 40-year-old Sao. She is married and has 4 children aged 2, 5, 8 and 14. She has 1 additional dependent, who lives with her to assist her in-law with her child's education. In 2007, Sao established her used clothing business. She began her business to help her husband in the maintena... More from Sao I.'s previous loan »

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.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

About Sierra Leone

  • $2,100
    Average annual income
  • 2
    View loans »
    Sierra Leone Loans Fundraising
  • $9,478,050
    Funds lent in using Kiva
  • 4,331.4
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,175 helped Sao I. buy used clothing to sell.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Dec 5, 2012
Dec 16, 2012
Currency Exchange Loss:
Jul 17, 2013