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This is 26-year-old Ruth. She is married and has two children, ages 5 and 3 years, and one is a school-going child. She has two additional dependents, who live with her to assist her in domestic work, and also to be fostered.

In 2009, Ruth established her business, after having completed her tertiary education. She decided to engage in a business, the experience of which she had gotten from her mother, and which she believed would be profitable. Her mother gave her the capital to start a business selling groundnuts. The business has since grown to include selling pure water and soft drinks. Working 6 days a week and 10 hours a day, she earns about SLL 1,805,000 every month from this business.

Ruth would like a loan in the amount of SLL 4,000,000. She requires a loan in order to buy more pure water and soft drinks to resell. Ruth plans to educate her children, open a shop, build a house, and become an international business woman, in the future. The loan will improve the business. Inadequate capital, and slow sales in the rainy season, are her major challenges. She is a hard-working and trustworthy businesswoman. 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
  • 40
    View loans »
    Sierra Leone Loans Fundraising
  • $9,980,225
    Funds lent in using Kiva
  • 4,314.8
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $950 helped Ruth to pay for more pure water and soft drinks to resell.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Feb 1, 2013
Feb 24, 2013
Currency Exchange Loss:
Dec 17, 2013