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Fatmata J.

Update on Fatmata J.

This is 37-year-old Fatmata J. She is single and has two children, ages 13 and 7, both attending school.

In 2008, Fatmata J. established her business selling provisions (e.g., biscuits, cigarettes, drinks, soap, pure water, paste, Ovaltine, mayonnaise, milk). She began her business because she left school, due to mistreatment by her stepmother. She got into an early marriage and her husband gave her some money to start a business. Working seven days a week and 12 hours a day, she earns about SLL 2,000,000 every month from this business.

Fatmata J. would like a loan in the amount of SLL 5,000,000. She has already received and successfully repaid two loans, and now requires a new loan in order to buy batteries, black mint, sweets, mosquito coils, and biscuits.

Fatmata J. was unable to develop her land, but was able to improve her business. She used part of her profit to pay school fees for her children and she provided livelihood for her family.

In the future, Fatmata J. plans to educate her children, develop her piece of land, and continue to expand her business. Her hope is that this loan helps her to achieve some of her future plans. She is a hard-working and honest businesswoman. She thanks you for your support.

Previous Loan Details

This is 36 year-old Fatmata. She is single and has two children ages 12 and 6, both attending school. In 2008, Fatmata established her business selling provisions (biscuits, cigarettes, drinks, soap, pure water, paste, Ovaltine, mayonnaise, milk etc.). She began her business because she left… More from Fatmata J.'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

  • $903
    Average annual income
  • 0
    View loans »
    Sierra Leone Loans Fundraising
  • $8,868,550
    Funds lent in using Kiva
  • 4,328.8
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,175 helped Fatmata J. to buy batteries, black mint, sweets, mosquito coils, biscuits, etc. for her store.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jun 7, 2013
Jun 14, 2013
Currency Exchange Loss:
Dec 17, 2013
This photo was used before for a previous loan for Fatmata J.. It was first posted on Kiva on Dec, 2012. Learn More