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This is 27-year-old Hawa. She is married and has two children, aged eight and one. She has two additional dependents, who live with her because they are shop assistants.

In 2011, Hawa established her oil, bags of rice, soft drinks, soap, etc. business. She began her business to assist her husband in the running of the home, since her husband's salary is not enough. Her business is located in the outskirts of the city and her main customers are women. Working seven days per week and 16 hours per day, she earns about SLL 1,000,000 every month from this business.

She would like a loan in the amount of SLL 5,000,000. Hawa requires a loan in order to increase her stocks, such as oil, rice, sugar, salt, drinks, and soap. She hopes that this loan will support her to increase her stock level and profit margin. In the future, Hawa plans to become a distributor/supplier to the other market women. 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
  • $10,094,200
    Funds lent in using Kiva
  • 4,319.7
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,175 helped Hawa to pay for oil, rice, sugar, salt, drinks, soap, and other items for her business.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Feb 15, 2013
Mar 15, 2013
Currency Exchange Loss:
Aug 17, 2013