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This is 43 year-old Subba. He is married and has 3 children, aged 3, 5 and 9. He has 1 additional dependent who lives with him to help with the house chores. In 1994, Subba established his used bags business. The business started after coming from the provinces to be self reliant. He would like a loan in the amount of SLL 5,000,000. Subba has already received and successfully repaid 3 loans, and now requires a new loan in order to add on the school bags. He hopes that this loan will enable him to increase his monthly profits by approximately SLL 316,710. In the future, Subba plans to improve on the sale of bags and move to a shop. 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
  • 16
    View loans »
    Sierra Leone Loans Fundraising
  • $9,478,075
    Funds lent in using Kiva
  • 4,336.9
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,175 helped Subba to pay for used bags.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Oct 17, 2012
Oct 25, 2012
Currency Exchange Loss:
May 17, 2013