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This is Hawa, 39 years old. She is married and has 4 children, aged 19, 16, 14 and 12. She has four additional dependents who live with her as younger sisters. In 2000, Hawa established her ladies' handbags business. She began her business because her husband did not care for her and the children. Since she wants her children to be brought up well, she decided to go into business to gain her own source of revenue. Working 6 days a week and 8 hours a day, she earns about Le 800,000 a month from this business. She would like a loan in the amount of Le 3,000,000. Hawa needs the loan in order to buy Le 3,000,000 worth of bags. She hopes that this loan will enable her to increase her monthly profits by approximately Le 500,000. In the future, Hawa plans to establish an outlet for one of her sisters, so that her revenue base will be improved. 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
  • 44
    View loans »
    Sierra Leone Loans Fundraising
  • $10,082,750
    Funds lent in using Kiva
  • 4,349.9
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $700 helped Hawa to buy handbags for resale.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Oct 2, 2012
Oct 21, 2012
Currency Exchange Loss:
Apr 17, 2013