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This is 55 year old Joseph. He is married and has 7 children ages 4, 6, 10, 12, 15, 18, and 22. In 2002, Joseph established his timber business in order to improve his livelihood. Working 7 days a week and 10 hours a day, he earns about 1,500,000 SLL every month from this business.

He would like a loan in the amount of 4,000,000 SLL in order to buy additional stock for his business. He hopes that this loan will enable him to increase his monthly profits by approximately 1,200,000 SLL.

In the future, Joseph plans to sell wholesale and supply to other traders, hire workers to help in trading, and educate his children to a university level. He is serious and determined and 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
  • 13
    View loans »
    Sierra Leone Loans Fundraising
  • $9,574,925
    Funds lent in using Kiva
  • 4,085.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Joseph to buy more timber.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Nov 4, 2010
Nov 18, 2010
Currency Exchange Loss:
Oct 28, 2011