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This is 49-year-old Kowa. He is married and has three children who are 18, 15, and 10. He has two additional dependents who live with him because they are his nephews.

In 2001, Kowa established his furniture-making business, making chairs, beds, tables, wardrobes, and dressing mirrors. He began his business because he wanted to be self-reliant. Kowa believes carpentry is a profitable business. Working seven days a week and 12 hours a day, he earns about 1,000,000 Sierra Leonean leones (SLL) every month from this business.

He would like a loan in the amount of 4,000,000 SLL to buy timber, leather materials, nails, polish and a saw. He hopes that this loan will enable him to increase his monthly profits by approximately 200,000 SLL. In the future, Kowa plans to modernize his workshop and to acquire a showroom along a major street in Kenema. 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
  • 54
    View loans »
    Sierra Leone Loans Fundraising
  • $9,327,250
    Funds lent in using Kiva
  • 4,365.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $925 helped Kowa to buy timber, leather materials, nails, polish and a saw.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Apr 7, 2011
Apr 24, 2011
Currency Exchange Loss:
Mar 16, 2012