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This is Bai. He is 36, married, and has one child aged two years. He has two additional dependents, who live with him and help with his business while they attend school. In 2000, Bai established his business. Working seven days a week and 11 hours a day, he earns about 2,200,000 SLL every month. One major challenge he faces is the unstable foreign exchange rate.

Bai would like a loan in the amount of 4,000,000 SLL. He requires a loan in order to purchase items for sale in his computer supply shop and to pay laborers. This will increase his working capital, and he is looking forward to subsequent loans.

Bai describes himself as hard-working and committed to his business. In the future, Bai plans to open a computer school. 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
  • 4,310.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $950 helped Bai to purchase UPS- 2 pieces @ Le600,000, Hard Disk - 1 set @ Le1,500,000, Flash Drives - 10 pieces @ Le120,000 and A4 paper - 1 carton @ Le85,000. The balance Le15,000 will be used to pay labourers.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Mar 21, 2012
Mar 29, 2012
Currency Exchange Loss:
Sep 15, 2012