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Zainab Y
This is 37-year-old Zainab Y. She is single and has 3 children aged 19, 13, and 8 years respectively, and all school-going children. In 2003, Zainab Y established her soft drinks, liquor and fruit juice (Bar & Restaurant) business. She began her business because she was in school when she got pregnant. After she delivered; she was not able to further her studies because her parents were not well-to-do. She had to go into business in order to maintain her baby and herself. Working 7 days a week and 14 hours a day, she earns about Le 1,800,000 every month from this business.

She would like a loan in the amount of Le 3,000,000. She has already received and successfully repaid 1 loan, and now requires a new loan in order to purchase savanna drinks - 20 crates @ Le120, 000 and frozen chicken - 6 cartons @ Le100,000. She hopes that this loan will enable her to increase her monthly profits by approximately Le 358,000.

In the future, Zainab Y plans to build a club and motel. This business helps her greatly. She wants her children to be educated as she was unfortunate in learning. She is very excited with her business. Her only challenge is foreign exchange. Competition is high, but her employees treat customers nicely and provide good food and assorted drinks. Zainab Y serves people around town and foreigners in town. Her business is popular because she has good sales people.

Her suppliers are located in Makeni, Freetown and Conakry. She usually buys her goods in large stock once per month. She uses her profit as additional capital. She is planning to expand as she hopes to access bigger loans. 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
  • 43
    View loans »
    Sierra Leone Loans Fundraising
  • $10,094,200
    Funds lent in using Kiva
  • 4,300.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $700 helped Zainab Y to purchase savanna drinks - 20 crates @ Le120, 000 and frozen chicken - 6 cartons @ Le100,000.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Dec 9, 2011
Dec 22, 2011
Currency Exchange Loss:
Aug 15, 2012