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Ya Umu
This is 44-year-old Ya Umu. She is married and has five children ages 25, 23, 20, 17 and 14 years old. All of them attend school.

In 1991, Ya Umu established her jeans, shirts, shoes, sandal, polo, lacoste, school bags, traveling bags, etc. business. She began her business because her father didn't value girls' education. Ya Umu was sent to school by her step-mother, but at class II, her father stopped her from going to school. Her step-mother introduced her to business. When Ya Umu became an adult, her parents gave her in marriage to a businessman who established a business for her. Working seven days a week and ten hours a day, she earns about SLL 3,400,000 every month from her business.

Ya Umu would like a loan in the amount of SLL 5,000,000. She has already received and successfully repaid five loans, and now requires a new loan in order to purchase jeans, polos , blouses , shoes , and school bags . In the future, Ya Umu plans to open another outlet, to provide a quality education for her children, and to build another house. Fluctuation in foreign currency is affecting the prices of items. Ya Umu is hardworking and honest. She thanks you for your support.

Additional Information

About the Association or 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
  • 25
    View loans »
    Sierra Leone Loans Fundraising
  • $9,574,925
    Funds lent in using Kiva
  • 4,339.9
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,175 helped Ya Umu to buy clothing for her business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Dec 6, 2012
Jan 1, 2013
Currency Exchange Loss:
Jul 17, 2013