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This is thirty-three-year-old Umaru. He is married, and has three children aged two, seven and ten.

In 2000, Umaru established his cooking utensil and rubber bowls business. He began his business because he wants to be self-reliant and to look after his children. Working seven days a week and twelve hours a day, he earns about SLL 1,200,000 every month from this business.

He would like a loan of SLL 4,500,000. Umaru has already received and successfully repaid two loans, and now requires a new loan in order to buy more stock. He hopes that this loan will enable him to increase his monthly profits by approximately SLL 300,000. In the future, Umaru plans to move from a stall to a shop, to open another outlet shop for his wife and take care for his children’s needs. 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
  • 2
    View loans »
    Sierra Leone Loans Fundraising
  • $9,478,050
    Funds lent in using Kiva
  • 4,325.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,050 helped Umaru to pay for cooking utensils and rubber bowls.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Feb 15, 2012
Feb 20, 2012
Currency Exchange Loss:
Sep 15, 2012