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This is 51-year-old Mary. She is single and has 2 children, aged 21 and 20, one of whom is in college. Mary has 2 additional dependents who live with her in order to attend school. In 1992, Mary established her essential drugs (pharmacy) business.

When Mary left high school, she did not have someone to sponsor her because her parents were poor. She went into sales and when she had enough capital, she opened a small stall. In order to fulfill her dream of becoming a nurse, she enrolled in training as a pharmacist and she now owns a pharmacy, selling drugs to patients. Working 7 days a week and 16 hours a day, Mary earns about SLL 2,256,000 monthly from her business.

Mary has already received and successfully repaid 1 loan. She would now like a new loan of SLL 4,000,000 in order to buy Pinoplex blood syrup (4 cartons @ SLL 140,000 each), pain relief (5 cartons @ SLL 50,000 each), Lucmal (anti malarial) drug (10 cartons @ SLL 120,000 each), Zincofer blood syrup (5 cartons @ SLL 140,000 each), Lucozade (10 cartons @ SLL 100,000 each) and Amodiquin hydrochlode tabs (1 carton @ SLL 250,000), with the balance used as transport fare. Mary hopes that this loan will enable her to increase her monthly profits by approximately SLL 564,000.

Mary doesn't face much competition since she is the only one owning a pharmacy in the area. She serves about 60 people per day, and her business is popular because she treats her customers with care and respect. Mary is assisted by her closest family members. She usually orders twice a month through delivery van from Freetown. In the future, Mary plans to save enough money for her retirement. She feels good and nervous about the future prospects of her business because she needs someone with good experience and capabilities to run her business when she retires. She wants her child and her dependents to finish school. The loan will help as she will be able to save money. Mary is hardworking and honest. She 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
  • 16
    View loans »
    Sierra Leone Loans Fundraising
  • $9,478,075
    Funds lent in using Kiva
  • 4,375.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $925 helped Mary to buy cartons of assorted medications.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Jan 18, 2012
Jan 21, 2012
Currency Exchange Loss:
Dec 15, 2012