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This is 29 year-old Gladys. She is married, and she has two children, aged 7 and 5 years. She has one additional dependent who lives with her for fostering.

In 2009, Gladys established her biscuit, hard drinks, soft drinks, batteries, milk, pure water, and bread business. She began her business by using her salary to establish the business because she doesn't want to depend on her husband.

Working 7 days a week and 15 hours a day, she earns about Le 2,730,000 every month from this business. She would like a loan in the amount of Le3,000,000.

Gladys requires a loan in order to buy extra stout, 4 crates @ Le110,000; stout (pint), 5 crates @ 98,000; fruit wine, 4 crates @ Le24,000; milk, 3 cartons @ Le280,000; biscuit, 2 cartons @ Le200,000; batteries, 3 cartons @ Le200,000; and sweets, 1 carton @ Le70,000. The balance Le64,000 will be used for transportation.

In the future, Gladys plans to build a house, educate her children, acquire a shop, and further her course in nursing. This loan will help to accomplish some of her future plans. Her challenge is inadequate capital.

She is hardworking business woman. She hopes to repay the loan within the stipulated time. 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
  • 4,300.1
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $700 helped Gladys to buy extra stout, stout, fruit wine, milk, and other goods for her store.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Aug 15, 2012
Sep 4, 2012
Currency Exchange Loss:
Nov 17, 2013