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Chernor Umaru
Chernor Umaru B. is a trader located at the central business park of Shenge. He deals in cosmetics. He is married and his wife normally assists in his absence.

He has five dependents, two of whom are his kids and are very young. He has 10 years of experience in business. He needs a loan of Le 4,000,000 to purchase additional stock of cosmetics so that he may expand and own another shop.

His shop and home are rented but he is determined to own a house and educate his kids.

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
  • 16
    View loans »
    Sierra Leone Loans Fundraising
  • $9,478,075
    Funds lent in using Kiva
  • 3,860.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,050 helped Chernor Umaru to buy cosmetics.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Oct 7, 2009
Oct 17, 2009
Currency Exchange Loss:
May 15, 2010