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This is 30 year old Kadiatu. She is married to a business man, and has 2 children aged twelve and six respectively. In 2006, Kadiatu established her soft drinks, alcohol drinks, pure water, cigarette, soap, sugar, milk, pens, books, etc business. She began her business because her father didn't allow his children to get an English education; only Arabic. She was introduced to farming until age of 22 years. She was married and taught how to do business by receiving some money to start her own business.

Working seven days a week and ten hours a day, she earns about SLL 2,152,000 every month from this business. She would like a loan in the amount of SLL 5,000,000. Kadiatu has already received and successfully repaid 2 loans, and now requires a new loan in order to purchase the following:
- soft drinks; 10 crates @ SLL 30,000;
- cans of soft drinks; 25 crates @ SLL 50,000;
- Carlsberg; 10 crates @ SLL 75,000;
- cans of Stout; 15 crates @ SLL 80,000; and
- Heineken; 15 crates @ SLL 75,000.

She hopes that this loan will enable her to increase her monthly profits by approximately SLL 322,920. In the future, Kadiatu plans to give quality education to her childrem and to build a house. These loans will her to improve her business and her standard of living for her family. Her major problem is adequate electricity power and because of this, she spends more on a generator. Competition is moderate and she is different from her competitors because she always has cold drinks. She serves 15 customers each day. The business is popular because of good customer care. She is assisted by her husband. Her suppliers are located in Makeni and she transports her goods by commercial motorbike, which is owned by her husband. She buys six times in a month. She is hard working 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
  • 47
    View loans »
    Sierra Leone Loans Fundraising
  • $9,977,925
    Funds lent in using Kiva
  • 4,300.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,175 helped Kadiatu to purchase soft drinks and beer.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Dec 15, 2011
Dec 21, 2011
Currency Exchange Loss:
Jul 16, 2012