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This is 50-year-old Sama. She is married and has three children, ages 28, 30, and 31 years old. She has two additional dependents who live with her as sales assistants.

In 2009, Sama established her rice business. She began her business because she wanted to take care of herself. Her business is located in the outskirts and her main customers are general community people. Working seven days per week and 12 hours per day, Sama earns about SLL 1,000,000 every month from this business.

She would like a loan in the amount of SLL 5,000,000. Sama requires a loan in order to increase her stock level by buying more bags of rice for resale. She hopes that this loan will support her and that it will increase her profit margin. In the future, Sama plans to finish her bakery, as it is another way of getting income. 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
  • 4,320.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,175 helped Sama to buy bags of rice for resale.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Mar 15, 2013
Mar 26, 2013
Currency Exchange Loss:
Nov 17, 2013