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This is 48-year-old Ernest. He is married and has 3 children aged 3, 7, and 12. He has 1 additional dependent who lives with him to assist a younger brother with his education. In 2008, Ernest established business selling building materials and sportswear. The business was started to complement his job with district football and to increase his income. Working 6 days a week and 14 hours a day, he earns about SLL 2,874,000 every month from this business. He would like a loan in the amount of SLL 5,000,000. Ernest has already received and successfully repaid 1 loan and now requires a new loan in order to buy more cement. He hopes that this loan will enable him to increase his monthly profits by approximately SLL 689,760. In the future, Ernest plans to improve on the sale of imported cement. 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 $1,175 helped Ernest to pay for cement.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jul 18, 2012
Jul 30, 2012
Currency Exchange Loss:
Feb 15, 2013