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This is 45-year-old Rugiatu. She is married and has 5 children ages 24, 22, 18, 16 and 13 years. In 1998, Rugiatu established her local foodstuffs business selling garie (cassava flakes) and palm oil. She began her business because she wants to help her husband to take care of the home. Her business is located in the outskirts and her main customers are general community people. Working 7 days a week and 12 hours a day, she earns about 700,000 SLL every month from this business.

She would like a loan in the amount of 4,500,000 SLL. Rugiatu requires the loan in order to buy more local foodstuffs for resale. She hopes that this loan will support her to increase her profit.

In the future, Rugiatu plans to build a house and improve on the business. She is very hardworking and 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
  • 4,319.7
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,050 helped Rugiatu to buy more garie and palm oil.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Mar 15, 2013
Mar 28, 2013
Currency Exchange Loss:
Feb 17, 2014