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Joseph T. is married and the father of two young children. He is 31 years old and provides transportation services on his motorbike. For the last 5 years, Joseph has driven passengers on his motorbike along with one employee with whom he initially switched shifts; later the employee drove a second rented bike.

With the loan, Joseph plans to purchase a second motor bike so that he can stop renting one. He hopes, with increased income, he will be able to complete the extension of his apartment where he lives with his family. Joseph is a first time borrower at ARD and the sole breadwinner for his family.

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
  • 29
    View loans »
    Sierra Leone Loans Fundraising
  • $9,391,500
    Funds lent in using Kiva
  • 3,555.5
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Joseph to buy a motorbike.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Sep 9, 2009
Oct 13, 2009
Currency Exchange Loss:
Aug 15, 2010