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This is 37 year old James. He is married and has two children, aged four and nine. In 2003, James established his provision and drinks business. The business started after dropping out of school in order to be self reliant. His business is located in the outskirts of the city and his main customers are adults.

Working 7 days a week and 12 hours a day, he earns about Le 2,157,075 every month from this business. He would like a loan in the amount of Le 5,000,000. James has already received and successfully repaid four loans, and now requires a new loan in order to buy cement. He hopes that this loan can improve his cement trade business. In the future, James plans to expand to his cement trade and hopes to be able to open an outlet within town. 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
  • 64
    View loans »
    Sierra Leone Loans Fundraising
  • $9,347,350
    Funds lent in using Kiva
  • 4,328.8
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,175 helped James to pay for provisions and drinks.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Jul 7, 2013
Jun 14, 2013
Currency Exchange Loss:
Jan 17, 2014