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Francess  A.
This is 48-year-old Francess. She is married and has two children, aged 25 and 18.

In 2009, Francess established her drinks business. She began her business to assist her husband in the running of the home. Her business is located in the outskirts of the city, and her main customers are mixed. Working 7 days a week and 16 hours a day, she earns about Le 700,000 every month from this business.

Francess would like a loan in the amount of Le 3,000,000. She requires a loan in order to purchase more drinks for resale. She hopes that this loan will support her to increase her profit. With the proceeds of the business, she is determined to open another outlet, becoming a supplier of drinks (wholesale) to other retailers.

She 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
  • 4,319.7
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $700 helped Francess A. to pay for more drinks.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Feb 15, 2013
Mar 28, 2013
Currency Exchange Loss:
Dec 17, 2013