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This is 42-year-old Ballay. She is married and has three children, aged 30, 25 and 18 years. In 1987, Ballay established her business, selling groundnuts and oil. She began her business, because she wants a better living with her family. Her business is located in the outskirts of town, and her main customers are women. Working 7 days a week and 13 hours a day, she earns about SLL 1,200,000 every month from this business.

She would like a loan in the amount of SLL 3,000,000. Ballay requires a loan in order to purchase more groundnuts and oil for resale. In the future, Ballay plans to educate her son up to university and to build a house. 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
  • 37
    View loans »
    Sierra Leone Loans Fundraising
  • $9,980,225
    Funds lent in using Kiva
  • 4,329.7
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $700 helped Ballay to puchase more groundnuts and oil for resale.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Jun 7, 2013
Jun 17, 2013
Currency Exchange Loss:
May 17, 2014