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This is 48-year-old Osinatu. She is married and has two children, ages 18 and 14. In 1994, Osinatu established her clothing and textiles business. She began her business because she wants to generate enough cash to support her children and this is her only source of livelihood. Working 7 days a week and 10 hours a day, she earns about 530,000 leones (SLL) every month from this business.

Osinatu would like a loan in the amount of 4,000,000 SLL. Osinatu requires a loan in order to buy window cotton, obama wax, and simple lace and guarantee wax. She hopes that this loan will enable her to increase her monthly profits by approximately 260,000 SLL. In the future, Osinatu plans to educate her kids, to develop her plot of land, and to rent a shop. 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
  • 40
    View loans »
    Sierra Leone Loans Fundraising
  • $9,980,225
    Funds lent in using Kiva
  • 4,300.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $950 helped Osinatu to buy window cotton, obama wax, and simple lace and guarantee wax.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Oct 17, 2012
Nov 4, 2012
Currency Exchange Loss:
Jun 17, 2013