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This is 42 year-old Daniel. He is married and his spouse is a business woman. He has 5 children, aged 15, 12, 8, 5 and 3 years.

In 2005, Daniel established his spare parts business, selling clutches, fan belts, brake oil, engine oil, filters, bearings, brake pads, brake liners, carbon brushes, spokes, etc. Working 7 days a week and 11 hours a day, he earns about SLL 1,891,000 every month from this business. He would like a loan in the amount of SLL 4,000,000. Daniel has already received and successfully repaid 2 loans. He now requires a new loan in order to purchase the following items: clutches - 30 sets @ SLL80,000 and fan belts - 80 pieces @ SLL20,000. He hopes that this loan will enable him to increase his monthly profits by approximately SLL 283,600.

In the future, Daniel plans to educate his children, build a shop, and construct another house. He feels happy about taking this loan and it will help to generate more income. He serves 20 customers each day. His business is popular because he sells spare parts and also fixes the vehicles up for his customers. He is assisted by his family members. His suppliers are located in Freetown. He travels to get his goods by public transport. He buys his goods at least twice per month. Some of the profits are being ploughed back into the business and some to solve domestic problems. He has the plans to expand and this can be achieved by continuously accessing loans from ARD. 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
  • 29
    View loans »
    Sierra Leone Loans Fundraising
  • $9,391,500
    Funds lent in using Kiva
  • 4,325.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $925 helped Daniel to buy clutches - 30 sets @ SLL80,000 and fan belts - 80 pieces @ SLL20,000.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Feb 15, 2012
Mar 13, 2012
Currency Exchange Loss:
Sep 15, 2012