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Andy Umarr
This is 42-year-old Andy. He is married with two children aged eight and six. He has two additional dependents, who live with him because he assists them in their schooling and accommodations. In 2000, Andy established his business. Working seven days a week and 11 hours a day, he earns about Le 1,900,000 every month. He would like a loan in the amount of Le 4,000,000. Andy requires a loan in order to buy cane sticks (5 dozen @ Le 10,000), foam (10 pieces @ Le 150,000), (velvet fabric - 50 yards @ Le 10,000) and leather (20 yards @ Le25,000). In the future, Andy plans to open another shop, build another house, and provide quality education for his children. This loan will help to improve his business. It is sometimes difficult to get the raw materials, especially the cane. He is hardworking and honest. Andy hopes to get another loan after paying back this one. 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
  • 4,310.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $950 helped Andy Umarr to buy cane sticks, foam, velvet fabric and leather.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Mar 21, 2012
Mar 29, 2012
Currency Exchange Loss:
Oct 16, 2012