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Emmanuel S.
This is 32-year-old Emmanuel S. K.. He is single and has one child, age five. He has four additional dependents who live with him because they assist with his business and he helps to educate them.

In 2003, Emmanuel established his assorted drinks business because he wanted to support himself and his family. Working seven days a week and fourteen hours a day, he earns about $163 every month. He would like a loan in the amount of 3,000,000 SLL in order to expand his business and allow him to maximize his profit. He hopes that this loan will enable him to increase his monthly profits by approximately 375,000 SLL.

In the future, Emmanuel plans to educate his child and other dependents to the university level and build a larger shop. He is serious and determined and thanks you for your support.

Additional Information

About the Association for 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
  • 43
    View loans »
    Sierra Leone Loans Fundraising
  • $10,094,200
    Funds lent in using Kiva
  • 4,200.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $725 helped Emmanuel S. to add more assorted drinks to his kiosk.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Nov 25, 2010
Dec 10, 2010
Currency Exchange Loss:
May 15, 2011