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Ya Umu
This is 43 year-old Ya Umu. She is married to a businessman and has five children, two of whom are in university while the other three are in secondary school. In 1991, she went into business selling jeans, shirts, shoes, traveling bags, school bags and other items. She began her business because her father did not want her to complete school. Her step mother introduced her to business, and her husband gave her funds to start her company. She works seven days a week, 10 hours a day and earns Le 1,989,000 a month. She has successfully repaid three loans and is applying for a new one for Le 4,500,000 to buy jeans, shirts and shoes to sell to her customers. She will also use Le 140,000 to transport her goods. She hopes that this loan will allow her to increase her monthly profits by approximately Le 298,000.

In the future, Ya Umu plans to build a new house and expand her business by having opening shop. She also hopes to give all of her children a quality education. Her major challenge is the fluctuation in foreign currency, which sometimes affects what she has to pay for her goods. Her business is doing well because she has good relationships with her customers. 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
  • 32
    View loans »
    Sierra Leone Loans Fundraising
  • $9,980,225
    Funds lent in using Kiva
  • 4,300.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,050 helped Ya Umu to buy more clothing to sell to her customers.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Nov 23, 2011
Nov 30, 2011
Currency Exchange Loss:
Jun 16, 2012