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This is 38-year-old Francess. She is married and has two children, aged 13 and 16 years. In 2010, Francess established her cosmetics, beads, hair and hair products business. She began her business because she wanted to assist her husband with the home affairs. Her business is located in the outskirts of the town, and her main customers are women. Working seven days a week and 12 hours a day, she earns about 550,000 Sierra Leone leones (Le) every month from this business.

She would like a loan in the amount of 3,500,000 Le. She has repaid two loans. Francess requires a loan in order to purchase more goods for resale. She hopes that this loan will help to improve the business by getting more stock. In the future, Francess plans to expand her business to the center of the town. 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
  • 48
    View loans »
    Sierra Leone Loans Fundraising
  • $10,068,550
    Funds lent in using Kiva
  • 4,314.8
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $825 helped Francess to buy cosmetics.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Feb 15, 2013
Feb 24, 2013
Currency Exchange Loss:
Nov 17, 2013