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Emma
Emma, age 48 and widowed, runs a convenience store. She sells such items as powdered milk, cigarettes, biscuit, soap, sweets, drinks, bottled water, and sardines. Emma's five children are aged 15, 19, 22, 25, and 28, and the three youngest are enrolled in school. She also supports two foster children who live with her.

Emma's husband established her business for her in 2001. She preferred to open her own business rather than take employment elsewhere due to the low salary scale in the country. Also, as a graduate, she was confident that she could successfully engage herself in business. Working seven days a week and 13 hours a day, she earns about Le 2,249,000 every month from her business.

Since inadequate capital is her major challenge, she would like to request a loan in the amount of Le 5,000,000 in order to buy cartons of powdered milk, biscuit, soap, sweet, drinks, and bottled water to offer for sale. In the future, Emma plans to build a house for the family, continue to educate her children, acquire a shop, and become an international businesswoman.

This loan will help Emma to generate more income. She is a hard-working and honest businesswoman. She thanks you for your generosity in supporting her business.

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

  • $903
    Average annual income
  • 25
    View loans »
    Sierra Leone Loans Fundraising
  • $9,076,200
    Funds lent in using Kiva
  • 4,320.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,175 helped Emma to buy powdered milk, biscuit, soap, sweet, drinks, and bottled water to offer for sale.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Apr 19, 2013
Listed
Apr 28, 2013
Currency Exchange Loss:
Possible
Ended:
May 17, 2014