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This is 22-year-old Jemelatu. She is married, and has 1 child aged 2 years old. In 2008, Jemelatu established her business selling nappies, rappers, bedspreads, knickers, under vests, towels, powder, Vaseline, etc. She began her business because she used to assist her father in his business after school. When she finished secondary school there was no support to further her education. After she got married, her husband gave her some money to start her business. Working 7 days a week and 11 hours a day, she earns about 678,000 SLL every month. She would like a loan of 3,000,000 SLL. to buy towels, rappers, nappies, Vaseline, powder, and under vests. In the future, Jemelatu plans to expand the business, send her son to school, and start to travel to neighboring countries to do business. Inadequate capital is her main challenge. She is a hardworking business woman. She thanks you for your support.

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.


About Sierra Leone

  • $2,100
    Average annual income
  • 14
    View loans »
    Sierra Leone Loans Fundraising
  • $9,542,800
    Funds lent in using Kiva
  • 4,327.9
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $700 helped Jemelatu to buy towels, rappers, nappies, Vaseline, powder, and under vests.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Sep 20, 2013
Oct 6, 2013
Currency Exchange Loss:
Apr 16, 2014