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This is 33-year-old Humu. She is married to a businessman, and has four children aged 13, 9, 7 and 2 years. Three are in school.

In 2007, Humu established her vegetable oil, toys, and jeans business. She began her business because she had lived with her stepmother, who did not allow her to attend school, but instead forced the family to sell for her. Humu did not finish her primary education and joined her stepmother in doing business. It made her independent. That’s why she likes doing business.

Humu works 7 days a week and 11 hours a day and earns about Le 2,168,000 every month from this business. She would like a loan in the amount of Le 3,000,000. Humu requires a loan in order to purchase 25 containers of vegetable oil @ Le 120,000. She hopes that this loan will enable her to increase her monthly profits by approximately Le 326,000.

In the future, Humu plans to open a provision shop and a savings account. She wants another shop to display her goods, as she needs a larger space to operate her business. She wants her children to be important people in society. That’s why she needs additional capital to help her boost her business.

A rise in transport costs and the rainy season are her major challenges. The competition is low, as two people are dealing with the same product but Humu has a larger stock. She is hardworking and honest. 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
  • 45
    View loans »
    Sierra Leone Loans Fundraising
  • $10,082,750
    Funds lent in using Kiva
  • 4,150.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $725 helped Humu to purchase 25 containers of vegetable oil @ Le120,000.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Nov 10, 2011
Nov 24, 2011
Currency Exchange Loss:
Nov 16, 2012