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Hawa

Update on Hawa

This is 61-year-old Hawa. She is married, and has four children aged 41, 36, 30 and 23 years old. In 1992, Hawa established her clothing business. She began her business because her parents wouldn't allow their female child to attend school. She was handed in marriage at 15 years old to a businessman who introduced her to business.

Working 7 days a week and 10 hours a day, she earns about 1,700,000 Leones (SLL) every month from this business. She would like a loan in the amount of 4,000,000 SLL. Hawa has already received and successfully repaid 3 loans, and now requires a new loan in order to buy lace material and wax cotton. In the future, Hawa plans to acquire a shop, and also engage in agriculture activity. This loan will help her to achieve her future plans. She is a hardworking businesswoman. ARD has helped her to improve her business greatly. She thanks you for your support.

Previous Loan Details

This is 60-year-old Hawa. She is married, and has four children aged 40, 35, 29 and 22 years old. In 1992, Hawa established her clothing business. She began her business because her parents wouldn't allow their female child to attend school. She was handed in marriage at 15 years old to a busine... More from Hawa'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
  • 30
    View loans »
    Sierra Leone Loans Fundraising
  • $9,245,175
    Funds lent in using Kiva
  • 4,339.9
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $925 helped Hawa to buy lace material and wax cotton for her business.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jan 18, 2013
Listed
Jan 21, 2013
Currency Exchange Loss:
Possible
Ended:
Sep 17, 2013
This photo was used before for a previous loan for Hawa. It was first posted on Kiva on May, 2012. Learn More