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This is 43-year-old Bernard. He is married and has 2 children aged 22 and 6 years. He has 1 additional dependent who lives with him for schooling.

In 2008, Bernard established his pharmacy business. He began his business because he wanted to help with the smooth running of his home. His business is located on the outskirts of town and his main customers are people in the general community. Working 7 days a week and 15 hours a day, he earns about 800,000 SLL every month from this business.

He would like a loan in the amount of 5,000,000 SLL. Bernard requires a loan in order to buy more drugs, cosmetics, etc., for resale. He hopes that this loan will help his business to grow through proper use.

In the future, Bernard plans to build a hospital, a house and to give a quality education to his children. 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
  • 22
    View loans »
    Sierra Leone Loans Fundraising
  • $9,379,975
    Funds lent in using Kiva
  • 4,320.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,175 helped Bernard to buy more of his medicine for resale.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Mar 15, 2013
Mar 26, 2013
Currency Exchange Loss:
Nov 17, 2013