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Update on Rugiatu

Working seven days a week and 10 hours a day, Rugiatu earns about 2,980,000 Sierra Leonean leone (Le) every month from this business. She would like a loan in the amount of Le 5,000,000.

Rugiatu has already received and successfully repaid three loans. She now requires a new loan in order to purchase mayonnaise (three cartons @ Le 400,000); eggs (three cartons @ Le 280,000); garri (five bags @ Le 140,000); vegetable oil (five rubbers @ Le 280,000); and ketchup (three cartons @ Le 340,000). The balance (Le 40,000) will be used for transportation.

In the future, Rugiatu plans to build a house, educate her child, and open a restaurant. The loan will help her to achieve some of her future plans. She is hardworking and trustworthy. She thanks you for your support.

Previous Loan Details

This is 25-year-old Rugiatu. She is married and has a child aged 7 years. She has one additional dependent. In 2006, Rugiatu established her restaurant business, serving tea and bread, fried fish, achekeh (a cassava, spaghetti and egg dish), beans, etc. She began her business as she stopped Fo... More from Rugiatu's previous loan »

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.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

About Sierra Leone

  • $2,100
    Average annual income
  • 46
    View loans »
    Sierra Leone Loans Fundraising
  • $10,068,550
    Funds lent in using Kiva
  • 4,349.8
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,150 helped Rugiatu to buy vegetable oil, garri (cassava flakes), eggs, ketchup, spaghetti and mayonnaise, and to pay laborers to transport the goods.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Dec 6, 2012
Dec 18, 2012
Currency Exchange Loss:
Jul 17, 2013
This photo was used before for a previous loan for Rugiatu. It was first posted on Kiva on Jun, 2012. Learn More