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This is 54 year-old Memunatu. She is married to a trader, and has 6 children aged 25, 20, 19, 17, 15 and10 years. Three are all school going children.

In 1997, Memunatu established her groundnut and onions business. She began her business because she was living with her uncle, who intended to see her through school, but his wife refused to allow that and suggested instead that Mumunatu join the business. Memunatu's parents were poor and could not help her, so they had no alternative but to agree with the aunt since Memunatu was living with the aunt and uncle. Memunatu was introduced to the business at a young age and now she can boast of being a very good business woman.

Working 7 days a week and 10 hours a day, she earns about Le 2,564,000 every month from this business. She would like a loan of Le 4,000,000. Memunatu has already received and successfully repaid 3 loans, and now requires a new loan in order to buy groundnuts - 8 bags @ Le450,000 and onions 5 bags @ Le80,000. She hopes that this loan will help increase her monthly profits by approximately Le 385,000.

In the future, Memunatu plans to build a house. She wants to educate her children because she herself was deprived from it. A part of the profit will be reinvested in her business and the rest will be saved for her children's education. She is hard working and honest, and thanks you for your support.

Additional Information

About the Association or 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
  • 14
    View loans »
    Sierra Leone Loans Fundraising
  • $9,574,925
    Funds lent in using Kiva
  • 4,300.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $950 helped Memunatu to buy groundnuts and onions for her business.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Nov 23, 2011
Nov 30, 2011
Currency Exchange Loss:
Oct 16, 2012