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This is 40-year-old Rugiatu. She is married and has two children, 21 and 7 years old. They are both school-going children. She has one additional dependent.

In 1999, Rugiatu established her baby clothing and jewelry business. She began her business because her mother died when she was a child. Her father could not take good care of her, so he had to take her to a close friend who was a trader. She did not think it fit for her to attend school because she was not willing to pay her school fees. Instead, she was made into a house girl for several years. Later, he died and then her elder brother took her. They could barely feed her, let alone train her in school.

She started trading with him in order to help in the running of the home. She has been a trader ever since she was a child and started her own business years later.

Working seven days a week and 10 hours a day, she earns about Le 740,000 every month from this business. Rainy season is her major challenge for her business. She would like a loan in the amount of Le 4,500,000.

Rugiatu has already received and successfully repaid three loans, and now she requires a new loan in order to purchase women's underwear - 40 dozen @ Le 18,000; women's blouses - 20 dozen @ Le 150,000; baby wrappers - 3 dozen @ Le 216,000. The balance of Le 132,000 will be used as transport.

In the future, Rugiatu plans to build a house and open a shop for her growing business. She wants her children to have a good education. The loan will help her as it is her only additional income. Her business is growing gradually and require enough capital to operate effectively, so she is looking forward to paying her loan in order to acquire subsequent loans. 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
  • 39
    View loans »
    Sierra Leone Loans Fundraising
  • $9,980,225
    Funds lent in using Kiva
  • 4,320.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,050 helped Rugiatu to purchase women's underwear, women's blouses and baby wrappers and to use the balance for transport.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Nov 21, 2012
Nov 30, 2012
Currency Exchange Loss:
Aug 17, 2013