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This is 52-year-old James. He is married and has three children, aged 21, 19, and 12 years old. He has two additional dependents who live with him just for assistance.

In 2005, James established his clothing business. He began his business because he wanted to take care of his family. His business is located on the outskirts and his main customers are young and old men and women. Working seven days a week and 11 hours a day, he earns about SLL 1,000,000 every month from this business.

James would like a loan in the amount of SLL 3,000,000. He requires a loan in order to buy more clothing for resale. He hopes that this loan will support him through proper use. In the future, James plans to build more houses and to educate 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
  • 5
    View loans »
    Sierra Leone Loans Fundraising
  • $9,478,050
    Funds lent in using Kiva
  • 4,280.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $725 helped James to buy more clothing for resale.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Apr 5, 2013
Apr 30, 2013
Currency Exchange Loss:
Jan 17, 2014