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This is 42-year-old Kadiatu. She is divorced and has two children, aged 18 and 21, one of whom is in college. She has one additional dependent who lives with her because he is attending school and helping with domestic work.

Kadiatu dropped out of school at the secondary level and got married at an early age because her parents did not value education then; her husband was a business man who taught her how to trade. After they divorced, she decided to set up her own business. In 2008, Kadiatu established her bar and drinks business. Working seven days a week and 17 hours a day, she now earns about Le 1,271,000 every month from her business.

She would like a loan in the amount of Le 4,000,000. Kadiatu has already received and successfully repaid two loans. She now requires a new loan in order to purchase Becks beer (4 cartons @ Le 120,000), soft drinks (30 crates @ Le 30,000), Vicco malt drink (10 cartons @ Le 50,000), Strong Stout (10 cartons @ Le 130,000), Maltina drink (10 crates @ Le 50,000), Parrot drink (10 crates @ Le 30,000) and pure drinking water (8 bundles @ Le 2,500).

In the future, Kadiatu plans to expand her business. The loan will help to improve her business. The rainy season is her major problem as the number of customers decreases because of the heavy rains. She is a hard-working and honest business woman. She hopes to access more loans from this credit service. 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
  • 33
    View loans »
    Sierra Leone Loans Fundraising
  • $9,980,225
    Funds lent in using Kiva
  • 4,354.3
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $925 helped Kadiatu to purchase Becks beer, soft drinks, Vicco malt drinks, Strong Stout, Maltina drink, Parrot drink and pure drinking water for her bar and drinks business.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Sep 19, 2012
Oct 12, 2012
Currency Exchange Loss:
Aug 17, 2013