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This is 60-year-old Hawa. She is married and has six children, ages 10, 15, 16, 20, 23 and 26. She also has two grandchildren living with her whom she helps rear.

In 1980, Hawa established her textile and shoe business. She began her business because she wanted to buy land and educate her children. Working seven days a week and ten hours a day, she earns about $350 every month.

She would like a loan in the amount of 4,000,000 SLL. Hawa has already received and successfully repaid one loan, and now requires a new loan in order to buy lace, cotton, assorted uniform material and shoes. She hopes that this loan will enable her to increase her monthly profits by approximately $200.

In the future, Hawa plans to educate her children and build a house with her husband. She plans to travel to a neighboring country, Guinea, and sell on a wholesale basis to other traders. Hawa 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
  • 47
    View loans »
    Sierra Leone Loans Fundraising
  • $10,094,225
    Funds lent in using Kiva
  • 4,085.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Hawa to buy more fabrics for resale.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Nov 4, 2010
Nov 18, 2010
Currency Exchange Loss:
Aug 16, 2011