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This is 37-year-old Ramatu. She is married and has 3 children aged 19, 17, and 12. She has 2 additional dependents, who live with her because one of them lost his mother and the other is her husband's younger brother.

In 2003, Ramatu established her ice cream and yogurt ice business. She began her business because her husband’s income is low so she started business to meet the home challenges. Her business has gone from one freezer to now eight. Working 6 days a week and 11 hours a day, she earns about 3,440,000 SLL every month from this business. She would like a loan in the amount of Le 4,000,000.

Ramatu requires a loan in order to increase her purchases of raw materials. She hopes that this loan will enable her to increase her monthly profits by approximately 344,000 SLL. In the future, Ramatu plans to send her two children to university and to increase production. Competition is there but the quality of her production helps her business. She thanks you for your support.

Additional Information

About the Association for 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
  • 38
    View loans »
    Sierra Leone Loans Fundraising
  • $10,068,550
    Funds lent in using Kiva
  • 3,905.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,025 helped Ramatu to purchase more raw materials.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Aug 11, 2010
Aug 14, 2010
Currency Exchange Loss:
Jun 15, 2011