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This is 28 year-old Hajara. She is married and has 2 children, ages 14 and 10. She has 2 additional dependents who live with her to attend school and also help in the business. In 2004, Hajara established her groundnut, pepper, and tobacco leaf business. She began her business because she had assisted her uncle, who sold these same products. Later, she married to a businessman who taught her what he knew and gave her some money to start her own business. Working 7 days a week and 10 hours a day, she earns about Le 1,894,000 per month. She sells to the general public. She would like a loan of Le 4,000,000. Hajara requires a loan in order to purchase bags of pepper, tobacco leaves of different sizes, and groundnuts. In the future, Hajara plans to educate her children, develop her piece of land, and invest more in her business. This loan will help her achieve her goals. The challenges she normally encounters are the shortage of goods and limited amounts of time to purchase goods at a low price. She is a hard working, honest, and trustworthy businesswoman. 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 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
  • 41
    View loans »
    Sierra Leone Loans Fundraising
  • $10,094,200
    Funds lent in using Kiva
  • 4,338.4
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $925 helped Hajara to buy more bags of groundnuts, pepper, and tobacco leaves for resale.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
May 9, 2014
Jun 2, 2014
Currency Exchange Loss:
Mar 10, 2015