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This is a 36-year-old Musa. He is married to a petty trader and has two children aged 13 and 16. In 2005, Musa established a business that sells soft drinks, beer, stout, and provisions such as milk, sugar, butter, cheese, and mayonnaise. He began his business because he realized that he would make huge profits taking advantage of the fact that there was no such a business in his community.

Musa started by selling items in a small wooden box, moved to a kiosk and now a container which he has converted to a shop and bar. Working seven days a week and 14 hours a day, he earns about 1,050,000 Leones (SLL) every month from this business. He would like a loan in the amount of 4,500,000 SLL.

Musa now requires a new loan in order to buy cartons of beer, stout and provisions. He hopes that this loan will enable him to increase his monthly profits by approximately 300,000 SLL. In the future, Musa plans to buy a piece of land and educate his children to the level they wish to attain. 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 $1,050 helped Musa to buy soft drinks, beer, stout, and provisions such as milk, sugar, butter, cheese, and mayonnaise.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Aug 10, 2011
Aug 25, 2011
Currency Exchange Loss:
Mar 16, 2012