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Update on Hawa

This is 45-year-old Hawa. She is married and has three children aged seven, twelve and 23. She has one additional dependent, who lives with her to help with the house chores.

In 2007, Hawa established her provision, toiletries, drinks and African-dress business. She began her business because she wants to help her retired husband to run the affairs of the home. Her business is located in the outskirts and her main customers are adults of all sexes. Working seven days a week and 12 hours a day, she earns about Le 2,589,000 every month from this business.

She would like a loan in the amount of Le 4,500,000. Hawa has already received and successfully repaid one loan, and now requires a new loan in order to buy additional mayonnaise, powdered milk and laundry soap. She hopes that this loan can increase stock and raise more profit. In the future, Hawa plans to expand the business to trade imported rice. She also hopes to be able to care for her children's education. If given more loan opportunities, she shall establish more outlets. She thanks you for your support.

Previous Loan Details

This is 45-year-old Hawa. She is married, with three children, ages 7, 12, and 22 years. She has three additional dependents, who live with her to help with the household chores. In 2007, Hawa established her provisions, drinks, toiletries, and textiles business. The business started to hel... 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
  • 4
    View loans »
    Sierra Leone Loans Fundraising
  • $9,478,050
    Funds lent in using Kiva
  • 4,320.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,050 helped Hawa to pay for more provisions, drinks, toiletries, and textiles to sell.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Apr 19, 2013
Apr 27, 2013
Currency Exchange Loss:
Dec 17, 2013
This photo was used before for a previous loan for Hawa. It was first posted on Kiva on Aug, 2012. Learn More