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This is 45-year-old Yawa. She is married and has four children who are 30, 25, 18 and 13 years old. For the past 15 years, Yawa has been selling cow skin to raise money to help her husband provide a livelihood for their family. Yawa serves mostly very poor people, as they cannot afford to buy meat but buy the cow skin because it is very cheap. Working six days a week and nine hours a day, she earns about Le 1,000,000 every month from this business. Yawa has a good credit history and now needs a loan of Le 3,000,000. She needs a loan to buy more dried cow skin for her business. Yawa hopes that this loan will enable her to increase her monthly profit by approximately Le 250,000. In the future, Yawa plans to build a house and educate her children very well. 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
  • 41
    View loans »
    Sierra Leone Loans Fundraising
  • $10,094,200
    Funds lent in using Kiva
  • 4,350.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $700 helped Yawa to buy more dried cow skin for her business.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Aug 3, 2011
Aug 25, 2011
Currency Exchange Loss:
Jun 16, 2012