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Update on Emma

This is 30-year-old Emma. She is married, and has 4 children aged 10, 13, 16 and 19 years, who are all going to school. She has one additional dependent, who lives with her because she got her from the war.

In 2009, Emma established a business selling onions, maggie, mayonnaise, salt, butter, pop corn, baking powder, ketchup, flour etc. She began her business because she stopped going to school at Form I because her parents were poor. She later got a Teachers' Certificate (TC) and taught for 2 years but because of poor conditions of service she left teaching and started a business.

Working 7 days a week and 11 hours a day, she earns about 2,550,000 Leones (SLL) every month from this business. She would like a loan of 4,000,000 SLL. Emma has already received and successfully repaid one loan, and now requires a new loan in order to buy:

- moist Maggie (a soap product)
- sugar
- eggs
- vegetable oil
- flour
- shrimp Maggie

In the future, Emma plans to acquire a shop, provide a quality education for her children and become an international business woman. This loan will help to improve her business. The frequent increase in price of items is her main problem. She is a hardworking business woman. She thanks you for your support.

Previous Loan Details

This is 30 year-old Emma. She is married and has 4 children, aged 10, 13, 16 and 19 years. She has 1 additional dependent, who lives with her because she got her from the war. In 2009, Emma established her onions, maggi (boullion cubes/powder), mayonnaise, salt, butter, pop corn, baking powd... More from Emma'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
  • 38
    View loans »
    Sierra Leone Loans Fundraising
  • $9,980,225
    Funds lent in using Kiva
  • 4,349.4
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $925 helped Emma to buy Maggie (a soap product), vegetable oil,flour and shrimps Maggie.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Dec 6, 2012
Jan 23, 2013
Currency Exchange Loss:
Aug 17, 2013