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This is Juma. She is 56. A widow, she has five children aged 40, 35, 31, 25 and 20 years. She also has three additional dependents who live with her because she fosters them. In 1997, Juma established her business. Juma says she did not attend school because her parents did not believe in educating female children. Instead, she worked with her mother selling goods. After she was married, her husband, a businessman, helped her establish a business of her own. Working seven days a week and ten hours a day, she earns about 2,100,000 SLL every month. Juma would like a loan in the amount of 5,000,000 SLL. Juma requires the loan to buy peanuts for sale. This loan will help her business to grow and generate more profit. In the future, Juma plans to build a shop and provide a quality education for her youngest child. She describes herself as a hard-working woman. Juma hopes you will continue to fund her business, and 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
  • 43
    View loans »
    Sierra Leone Loans Fundraising
  • $10,094,200
    Funds lent in using Kiva
  • 4,329.7
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,175 helped Juma to buy more peanuts to resell.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Jan 18, 2013
Jan 25, 2013
Currency Exchange Loss:
Oct 17, 2013