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James Junisa
This is 27 year-old James. He is married, and has 2 children ages 7 and 3 years. In 2006, James established his used clothes business. He began his business when he found out that the used clothing business is profitable. Working 6 days a week and 11 hours a day, he earns about Le 850,000 every month from this business. He would like a loan in the amount of Le 3,000,000. James requires a loan in order to buy additional used clothing. He hopes that this loan will enable him to increase his monthly profits by approximately Le 170,000. In the future, James plans to build a house and educate his children to university level. 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
  • 29
    View loans »
    Sierra Leone Loans Fundraising
  • $9,391,500
    Funds lent in using Kiva
  • 4,310.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $700 helped James Junisa to pay for additional bales of used clothing.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
May 20, 2011
May 28, 2011
Currency Exchange Loss:
Apr 15, 2012