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Fatmata J.
This is 36 year-old Fatmata. She is single and has two children ages 12 and 6, both attending school. In 2008, Fatmata established her business selling provisions (biscuits, cigarettes, drinks, soap, pure water, paste, Ovaltine, mayonnaise, milk etc.). She began her business because she left school due to mistreatment from her stepmother. She got into an early marriage and her husband gave her some money to start a business. Working seven days a week and 12 hours a day, she earns about Le 2,050,000 every month from this business. She would like a loan in the amount of Le 4,500,000. Fatmata has already received and successfully repaid one loan, and now requires a new loan in order to buy batteries - 5 cartons @ Le178,000, black mint - 4 cartons @ Le225,000, sweets - 4 cartons @ Le155,000, cigarettes - 3 cartons @ Le85,000, mosquito coils - 5 cartons @ Le95,000, biscuits - 2 cartons @ Le75,000, toothpaste - 2 cartons Le150,000. The balance of Le10,000 will be used to pay laborers. In the future, Fatmata plans to educate her children, develop her piece of land and expand business. This loan will help her to achieve some of her future plans. Inadequate capital is her major challenge. She is a hardworking and honest business woman. 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
  • 13
    View loans »
    Sierra Leone Loans Fundraising
  • $9,574,925
    Funds lent in using Kiva
  • 4,349.8
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,050 helped Fatmata J. to buy batteries, black mint, sweets, mosquito coils, biscuits etc. for her store.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Dec 6, 2012
Dec 18, 2012
Currency Exchange Loss:
Jul 17, 2013