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This is 33 year-old Mohamed. He is married, and has 3 children, aged 9, 3 and 2 years. He has an additional dependent who lives with him because he is his sales agent. In 2009, Mohamed established his provisions and "Top up" business. He began his business because he believed it to be a possible way to earn money and support his family. Working 7 days a week and 14 hours a day, he earns about Le 900,000 every month from this business.

He would like a loan in the amount of Le 3,000,000. He needs this loan in order to buy milk, sardines, luncheon meat and Top up (mobile phone) cards. He hopes that this loan will enable him to increase his monthly profits by approximately Le 200,000. In the future, Mohamed plans to own a bigger shop, to establish a branch at Ahmadiya junction, and to build a house for his family. 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
  • 30
    View loans »
    Sierra Leone Loans Fundraising
  • $9,391,500
    Funds lent in using Kiva
  • 4,365.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $700 helped Mohamed to buy milk, sardines, luncheon meat and Top up cards.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Aug 17, 2011
Aug 25, 2011
Currency Exchange Loss:
May 16, 2012