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This is 46-year-old Fatmata. She is married and has 4 children, ages 10, 15, 18 and 25; three are school-going children. Fatmata has 1 additional dependent who lives with her to be fostered.

In 1991, Fatmata established her local goods (cola nuts, palm oil, rice, fertilizer, etc.) business. She began her business as she was unprivileged to attend school. She was introduced to farming. When she became fully matured, her grandmother gave her some cups of rice and money to make rice bread cake for sale. From the cake, she started a local food stuff business which has grown over the years. Fatmata is a hardworking and trustworthy businesswoman.

Working 7 days a week and 11 hours a day, she earns about 2,724,000 SLL every month from this business. She would like a loan in the amount of 5,000,000 SLL. Fatmata has already received and successfully repaid 4 loans, and now requires a new loan in order to buy palm oil- 20 rubbers (containers) @ 90,000 SLL, dry pepper- 7 bags @ 350,000 SLL, cola nuts- 1 bag @ 400,000 SLL, groundnuts- 2 bags @ 150,000 SLL. The balance, 50,000 SLL, will be used for transportation. Sometimes the palm oil would not be of good quality.

In the future, Fatmata plans to build a house, provide quality education for her children and open another outlet. She thanks ARD for improving her standard of living. 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
  • 4,347.8
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,175 helped Fatmata to buy local food stuff for her business.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Oct 3, 2012
Oct 18, 2012
Currency Exchange Loss:
Sep 17, 2013