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This is 50-year-old Ramatu. She is married and has six children aged 32, 30, 28, 26, 23 and 18 years. Two are school-going children. She has one additional dependent, who lives with her to be fostered.

In 2007, Ramatu established her cosmetics business selling body cream, body lotion, powder, hair extensions, and hairnets etc. She began her business because her parents did not place value on girl-child education. She was only introduced to business, and knowing her background, her husband gave her some money to start up a fish business which she later changed to a cosmetic business.

Working 7 days a week and 10 hours a day, she earns about Le 1,000,000 every month from this business. She would like a loan in the amount of Le 4,000,000. Ramatu requires a loan in order to purchase cartons of body cream, body lotion, packets of earrings, chains, and Vaseline. In the future, Ramatu plans to open another outlet, build another house, and educate her children. This loan will help her to achieve some of her future plans.
She is a hardworking and trustworthy businesswoman. 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
  • 4,323.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $950 helped Ramatu to purchase cartons of body cream, body lotion, packets of earrings, chains, and Vaseline.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jul 4, 2013
Aug 28, 2013
Currency Exchange Loss:
Feb 17, 2014