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This is 36-year-old Salamatu. She is married with four children aged 11, 9, 7 and 6 years. She has one additional dependent, who lives with her because he attends school in the city with her financial assistance.
In 1995, Salamatu established her business. She began her business because she was not fortunate enough to have a formal education. She had to join her aunt in trading from place to place.
Working seven days a week and 11 hours a day, she earns about Le 600,000 every month from. She would like a loan in the amount of Le 4,000,000. Salamatu has already received and successfully repaid her first loan, and now requires a new loan in order to buy flour (6 bags @ Le 150,000) and rice (20 bags @ Le 156,000). In the future, Salamatu plans to open another outlet.
The loan will help as it will increase her working capital. Competition is great but she always has a variety and high quality of goods. Salamatu is hardworking. She appreciates ARD's effort as it has helped her a lot over the past months as she has purchased new goods for her store. Salamatu is looking forward to using more loans. 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
  • 4,310.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $950 helped Salamatu to buy flour and rice.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Mar 21, 2012
Mar 29, 2012
Currency Exchange Loss:
Sep 15, 2012