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Sia is 35 years old, married, and has four children. In 2004, Sia established her commercial business. She began her business to provide assistance to her husband in taking care of the home. Her business is located at city center and her customers are mainly women. Working six days a week and 10 hours a day, she earns about 4000,000 SLL a month.

Sia is requesting her third loan for 5,000,000 SLL, which she will use to buy used clothing. She hopes that this loan will increase her income level. In the future, Sia plans to develop her plot of land, educate her children, and continue with her business.

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
  • 39
    View loans »
    Sierra Leone Loans Fundraising
  • $9,980,225
    Funds lent in using Kiva
  • 4,329.9
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,175 helped Sia to purchase used clothing.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Apr 5, 2013
Apr 11, 2013
Currency Exchange Loss:
Nov 17, 2013