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This is 28-year-old Joseph. He is married and has no children. In 2009, Joseph established his provisions (Ovaltine, toothpaste, soap, cigarettes, soft drinks, etc.) business. He began his business because he attended school up to senior secondary level, but he has no sponsorship to further to tertiary level.

He joined what we called the Osusu Scheme and when he received his own share, he bought a motorbike which he used as public transport. The income he generated was used to establish his provisions shop. Working 7 days a week and 15 hours a day, he earns about 2,760,000 SLL every month from this business.

He would like a loan in the amount of 5,000,000 SLL. Joseph has already received and successfully repaid 1 loan and now requires a new loan in order to buy hard drinks, soft drinks and pure water. In the future, Joseph plans to open another outlet, build a house and become an international business man. This loan will help to maximize his profit. He is a hardworking business man. 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
  • 4,349.8
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,150 helped Joseph to buy hard drinks, soft drinks and pure water.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Dec 19, 2012
Jan 1, 2013
Currency Exchange Loss:
Jul 17, 2013