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This is 34-year-old Joseph. He is married and has 3 children aged 8, 11 and 14. He has 1 additional dependent, who lives with him to help a brother with his education. In 2005, Joseph established his motorbike rental business. He started the business to be self-sustainable after dropping out of school. He would like a loan in the amount of SLL 5,000,000. Joseph has already received and successfully repaid 3 loans, and now requires a new loan in order to buy a new motorbike. He hopes that this loan will enable him to increase his monthly profits by approximately SLL 263,700. In the future, Joseph plans to increase the number of motorbikes with profit earned from the business. 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
  • 31
    View loans »
    Sierra Leone Loans Fundraising
  • $9,245,200
    Funds lent in using Kiva
  • 4,295.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,175 helped Joseph to pay for a motorcycle.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Sep 19, 2012
Oct 12, 2012
Currency Exchange Loss:
Jun 17, 2013