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This is 27-year-old Haja. She is married and has two children aged four and ten years. Both are school-going children. In 2002, Haja established her cosmetics business. She began her business after she dropped out of high school when she became pregnant. Her parents asked her fiancee to marry her because they thought it was not necessary for her to go to school anymore. She wished to go school, but she had to accept her fate. Working seven days a week and seven hours a day, she earns about Le 827,000 every month from this business.

She would like a loan in the amount of Le 3,000,000. Haja requires the loan in order to stock her business. She will purchase Bio-Clear Cream (three cartons at Le 230,000); Razac Cream (four dozen at Le 180,000); Vaseline (four bundles at Le 100,000); Doctor Clear Cream (one carton at Le 190,000) and Pure Black Spray (ten dozen at Le 100,000).

In the future, Haja plans to further her studies and set up a well-established business to support her family. The loan will help greatly. Competition is her major challenge. She is very competitive and hardworking. To generate business effectively she needs enough capital, so she is grateful for this loan. 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
  • 46
    View loans »
    Sierra Leone Loans Fundraising
  • $10,068,575
    Funds lent in using Kiva
  • 4,354.3
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $700 helped Haja to purchase Bio-Clear Cream, Razac Cream, Vaseline, Doctor Clear Cream and Pure Black Spray to stock her cosmetics business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Sep 19, 2012
Oct 12, 2012
Currency Exchange Loss:
Apr 17, 2013