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This is 26-year-old Seray. She is married and has 3 children, aged 9, 6 and 3. She has 1 additional dependent, who lives with her because he is schooling. In 2004, Seray established her toiletries and cosmetics business. She began her business because she wants to provide livelihood for her family, and that is her only source of income. Working 7 days a week and 10 hours a day, she earns about Le 950,000 every month from this business.

She would like a loan in the amount of Le 3,000,000. Seray has already received and successfully repaid 1 loan, and now requires a new loan in order to buy foot brushes, air cleaners, toothpicks, Vaseline and Maxxam toothpaste. She hopes that this loan will enable her to increase her monthly profits by approximately Le 300,000. In the future, Seray plans to take a business trip to Dubai for her purchases, and to educate her children. She 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
  • $9,542,800
    Funds lent in using Kiva
  • 4,385.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $700 helped Seray to buy more foot brushes, air cleaners, toothpicks, Vaseline and Maxxam toothpaste for her business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jan 18, 2012
Jan 30, 2012
Currency Exchange Loss:
Aug 15, 2012