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This is 25-year-old Rugiatu. She is married and has a child aged 7 years. She has one additional dependent.

In 2006, Rugiatu established her restaurant business, serving tea and bread, fried fish, achekeh (a cassava, spaghetti and egg dish), beans, etc. She began her business as she stopped Form 4, unable to proceed further because of a lack of concentration in school. She got married, and her husband gave her some amount of money to start a business.

Working seven days a week and 10 hours a day, she earns about 1,600,000 Sierra Leone leone (Le) every month from this business. She would like a loan in the amount of Le 4,500,000. Rugiatu has already received and successfully repaid two loans, and now requires a new loan in order to buy vegetable oil (five rubbers at Le180,000 each), gari or cassava flakes (five bags at Le120,000 each), eggs (five cartons at Le240,000 each), ketchup (10 cartons at Le60000 each), spaghetti (two cartons at Le75,000 each), mayonnaise (four cartons at Le260,000 each). The balance of Le10,000 will be used to pay laborers to transport the goods. In the future, Rugiatu plans to assist her husband to construct their own house. 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
  • $10,094,200
    Funds lent in using Kiva
  • 4,320.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,050 helped Rugiatu to buy vegetable oil, gari (cassava flakes), eggs, ketchup, spaghetti and mayonnaise and pay laborers to transport the goods.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jun 6, 2012
Jun 29, 2012
Currency Exchange Loss:
Jan 15, 2013