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This is 31-year-old Salamatu. She is married and has no children but has four additional dependents who live with her while going to school.

In 2006, Salamatu established her palm oil business to help her husband provide a livelihood for their dependents. Working seven days a week and twelve hours a day, she earns about 700,000 SLL every month.

As the high cost of palm oil is greatly reducing her profit margins, Salamatu would like a loan of 3,500,000 SLL in order to buy 35 five-gallon containers of palm oil at 100,000 SLL each. She hopes that this loan will enable her to increase her monthly profits by approximately 300,000 SLL.

In the future, Salamatu plans to build a bigger store where she could store larger quantities of palm oil. 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
  • 40
    View loans »
    Sierra Leone Loans Fundraising
  • $9,980,225
    Funds lent in using Kiva
  • 4,275.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $825 helped Salamatu to buy 35 five-gallon containers of palm oil at 100,000 SLL each.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Jul 6, 2011
Jul 12, 2011
Currency Exchange Loss:
Jul 17, 2012