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Farrah is 34, married, and has five children that range in age from 4 to 15 years old. His wife is a trader, and all of their children attend school. In 2000, Farrah established a furniture-making business. He began his business at age 15, after his father died. Without his father, there was no sponsorship for his schooling and because of this, Farrah's uncle advised his mother to send him to study at a carpentry workshop.

Now Farrah makes beds, chairs, cupboards, dressing mirror, tables, benches, desks, and other items. He works six days a week, 11 hours a day, and earns about Le 1,500,000 every month from his business. Farrah has already received and successfully repaid one loan, and plans to use the proceeds of this loan to buy raw materials to make beds, tables, and chairs. Farrah says a major business challege for him is that some customers will not pay in full for items they order, leaving unpaid balances that are difficult to collect. He serves about 10 customers each day, and says his business is popular because of his quality production. He has two trainees in his workshop.

He hopes that this loan will enable him to increase his monthly profits by approximately Le 230,000. In the future, Farrah plans to build his own house, to have a more business capital, and to see that his children are educated and have good standard of living.

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
  • 4,150.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $725 helped Farrah to buy raw materials to make beds, tables, and chairs.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Nov 10, 2011
Nov 24, 2011
Currency Exchange Loss:
Sep 15, 2012