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Update on Salamatu

This is 28-year-old Salamatu. She is married and has one child aged eight. In 2005, Salamatu established her clothing business. She began her business just to empower herself. Her business is located in the heart of town and her main customers are both men and woman. Working 7 days a week and 11 hours a day, she earns about SLL 300,000 every month from this business.

She would like a loan in the amount of SLL 3,000,000. Salamatu has already received and successfully repaid one loan, and now requires a new loan in order to buy SLL 1,500,000 of waxed cotton and SLL 1,500,000 of local cotton. She hopes that this loan will enable her to start traveling to Guinea for business.

In the future, Salamatu plans to move from her current location to a more attractive one and she also plans to secure a plot of land. She appreciates the gesture she is receiving from Kiva. She thanks you for your support.

Previous Loan Details

This is 27-year-old Salamatu. She is married and has one child, aged 8. In 2005, Salamatu established her business of selling cloth. She began her business just to empower herself. Her business is located in the heart of town, and her main customers are women. Working seven days a week and 11 hou... More from Salamatu'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
  • 16
    View loans »
    Sierra Leone Loans Fundraising
  • $9,478,075
    Funds lent in using Kiva
  • 4,320.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $700 helped Salamatu to buy more cloth for her shop.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Apr 19, 2013
Apr 27, 2013
Currency Exchange Loss:
Nov 17, 2013
This photo was used before for a previous loan for Salamatu. It was first posted on Kiva on Nov, 2012. Learn More