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This is 49-year-old Charles. He is married and has four children, 18, 16, 13 and 9. He has two additional dependents who live with him: his spouse and aged mother.

In 2001, Charles established his business where he sells rice, sugar, detergents, etc. He began his business because he wants to improve his standard of living and that is his only source of finance. Working seven days a week and 13 hours a day, he earns about SLL 1,200,000 every month from this business.

He would like a loan in the amount of SLL 5,000,000. Charles has already received and successfully repaid a loan, and now he requires a new loan in order to buy rice, sugar, shopping plastic and detergent. He hopes that this loan will enable him to increase his monthly profits by approximately SLL 300,000.

In the future, Charles plans to embark on an international trade, to put up another home, and to educate his children. 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
  • 4,310.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,175 helped Charles to buy rice, sugar, shopping plastic and detergent.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Apr 4, 2012
Apr 25, 2012
Currency Exchange Loss:
Feb 15, 2013