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Update on Hawa

This is 44-year-old Hawa. She is a widow and has five children aged 28, 24, 21, 12 and five. She has two additional dependents, who live with her this way she helps her younger sisters with their education. In 1981, Hawa established her local food stuff, imported rice, maggi and groundnut business. She began her business because she wants meet her personal needs and to take care of the home. Her business is located in the city center and her main customers are adults. Working 7 days a week and 10 hours a day, she earns about SLL 1,192,000 every month from this business.

She would like a loan of an amount of SLL 4,000,000. Hawa has already received and successfully repaid two loans, and now requires a new loan in order to buy additional imported rice. She hopes that this loan can improve the trade of imported rice.

In the future, Hawa plans to see the business grow to become a provisions shop and also plans to be able to take care of her family needs with the profit. She thanks you for your support.

Previous Loan Details

This is 43 year-old Hawa. She is a Widow and has 5 children aged 27, 24, 20, 11 and 4. She has 1 additional dependent who lives with her because the child is her niece. In 1981, Hawa established her business selling beans, Bennie and groundnuts. She began her business because she thinks the nativ... More from Hawa'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
  • 47
    View loans »
    Sierra Leone Loans Fundraising
  • $10,094,200
    Funds lent in using Kiva
  • 4,320.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $950 helped Hawa to buy bags of beans, bennie (sesame seed) and groundnuts to resell.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Feb 1, 2013
Feb 10, 2013
Currency Exchange Loss:
Jan 17, 2014