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Update on Hawa

This is 40 year-old Hawa. She is married and has 4 children aged 17, 15, 16 and 10. She has one additional dependent, who live with her.

In 1992, Hawa established her clothing and textile business. She began her business to raise money to meet their family's needs.

Her business is located in at the heart of town and her main customers are both men and woman. Working 7 days a week and 10 hours a day, she earns about Le 800,000 every month from this business.

Hawa would like a loan in the amount of Le 5,000,000 to buy more stock for her shop.

Hawa has already received and successfully repaid two loans, and now needs a new loan. She hopes that this loan will increase both her capital and stock level.

In the future, Hawa plans to complete the construction of her house, to educate her children. She says thanks to Kiva.

Previous Loan Details

This is 39-year-old Hawa. She is married and has four children, ages 17, 15, 13 and 9. She has one additional dependent who lives with her – that is her mother. She is staying with her because she is aged. In 1992, Hawa established her clothing and textiles business. She began her business b... More from Hawa's previous loan »

Additional Information

About the Association or 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.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

About Sierra Leone

  • $2,100
    Average annual income
  • 14
    View loans »
    Sierra Leone Loans Fundraising
  • $9,542,800
    Funds lent in using Kiva
  • 4,352.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,150 helped Hawa to buy lace material, english wax cotton and dry cotton.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jun 21, 2013
Jun 30, 2013
Currency Exchange Loss:
Dec 17, 2013
This photo was used before for a previous loan for Hawa. It was first posted on Kiva on Nov, 2012. Learn More