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This is 35-year-old Rugiatu. She is divorced and has two children, aged 7 and 13. She has one additional dependent, who lives with her to help with the house chores. In 2005, Rugiatu established her provisions, drinks, toiletries and cooking condiments business. She began her business because wants to be self-reliant after being divorced by her husband. Her business is located in the outskirts, and her main customers are all ages and sexes. Working seven days a week and 12 hours a day, she earns about 2,977,700 SLL (Sierra Leone leones) every month from this business.

She would like a loan in the amount of 4,000,000 SLL. Rugiatu requires a loan in order to pay for additional maggi seasoning, sugar, salt, biscuits and laundry soap. She hopes that this loan can increase the stock and improve the profit. In the future, Rugiatu plans to improve the business and raise enough profit. She hopes to be able to open a shop in the center of town. She started the business in a stall, now she has expanded the business to a shop. She 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
  • 16
    View loans »
    Sierra Leone Loans Fundraising
  • $9,478,075
    Funds lent in using Kiva
  • 4,328.1
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $925 helped Rugiatu to pay for maggi seasoning, sugar, salt, biscuits and laundry soap.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
May 17, 2013
May 30, 2013
Currency Exchange Loss:
Jan 17, 2014