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This is 35-year-old Osman. He is married and has no children. He has one additional dependent, who lives with him. In 2009, Osman established his electrical products business. He began his business because he wants to be independent and to make more profit. His business is located in the city center and his main customers are adults. Working 6 days a week and 10 hours a day, he earns about SLL 2,460,000 every month from this business. He would like a loan in the amount of SLL 5,000,000. Osman requires a new loan in order to buy additional phones, televisions and wall fans. He hopes that this loan will add to his stock and he will make more profit. In the future, Osman plans to increase the stock and to make more profit. He thanks you for your support.

Additional Information

More information about this loan

This loan is to a borrower living in Sierra Leone, one of the countries in West Africa currently experiencing an Ebola outbreak. The epidemic is the largest in history, claiming thousands of lives and deeply affecting the national economy. This partner is continuing to operate throughout the outbreak, but accordingly these loans will have a higher risk associated with them. Learn more about the epidemic here

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
  • 4,346.1
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,175 helped Osman to pay for phones, televisions and wall fans.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
May 16, 2014
May 20, 2014
Currency Exchange Loss:
Mar 10, 2015