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Mbalu is a 47-year-old widow, and has five children, including three who attend school. In 2001, Mbalu established her gara cloth business with money provided by her late husband. Working seven days a week and 11 hours a day, she earns about Le3,681,000 every month from this business. She would like a loan in the amount of Le5,000,000. Mbalu has already received and successfully repaid four loans. She now requires a new loan in order to purchase bedspread (20 pieces @ Le50,000), gowns (50 pieces @ Le40,000), and bamakoh (40 pieces @ Le50,000). In the future, Mbalu plans to build a house, continue to educate her children and acquire a shop. This loan will help to achieve some of her future plans. She is grateful to ARD for improving her life. Her main challenge is fluctuation in foreign currency. 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 $1,175 helped Mbalu to purchase material for her Gara cloth business.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Aug 15, 2012
Sep 4, 2012
Currency Exchange Loss:
May 17, 2013