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This is 40-year-old Rugiatu, a married mother of three children aged 15, 10, and 8 years. In 1998, Rugiatu established her charcoal business to assist her husband in the running of the home and to assist family issues. Working seven days a week and 11 hours a day, she earns about Le 800,000 every month.

Rugiatu would like a loan in the amount of Le 5,000’000 to purchase 300 bags of charcoal and pay for their delivery. In the future, she plans to build her own dwelling house, construct a bigger shop and give quality education to the children.

Rugiatu is looking forward to funds that will help her in developing her enterprise so that she can save enough for her retirement. She thanks you for your support.

Additional Information

More information about this loan

This loan is to a borrower living in Sierra Leone, one of the countries in West Africa currently experiencing an Ebola outbreak. The epidemic is the largest in history, claiming thousands of lives and deeply affecting the national economy. This partner is continuing to operate throughout the outbreak, but accordingly these loans will have a higher risk associated with them. Learn more about the epidemic here

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
  • 4,395.6
    Sierra Leone Leones (SLL) = $1 USD
A loan of $1,150 helped Rugiatu to purchase 300 bags of charcoal and pay for the transportation of the charcoal.
Repayment Term
12 months (Additional Information)
Repayment Schedule
May 16, 2014
May 23, 2014
Currency Exchange Loss:
Jun 22, 2014