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This is 48-year-old Moray. He is married and has four children aged 21, 17, 13, and 2. He has five additional dependents who live with him because they are all sons and daughters of his brothers and sisters in the village where they lack formal education facilities. In 1983, Moray established his clothing and shoes business. He began his business because he was trained by his elder brother to do business. His previous loans have enabled him to build a house, educate his children and acquire some assets. The profit he gains is the favorite part of the business. Working 7 days a week and 11 hours a day, he earns about 2,654,820 SLL every month from this business. He would like a loan of 4,000,000 SLL. Moray has already received and successfully repaid previous loans and now requires a new loan in order to buy more shoes, jeans and shirts. He hopes that this loan will enable him to increase his monthly profits by approximately 350,000 SLL. In the future, Moray plans to build another house and establish a business on a large scale. Moray is hard working and very honest. He 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
  • 16
    View loans »
    Sierra Leone Loans Fundraising
  • $9,478,075
    Funds lent in using Kiva
  • 3,900.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,050 helped Moray to buy additional shoes, jeans and shirts.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Sep 22, 2010
Sep 26, 2010
Currency Exchange Loss:
Jun 15, 2011