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This is 30-year-old Osman K.. He is married, and has 4 children aged 4, 10 12 and 12 years. In 2006, Osman established his electronics business. He began his business to enable him to generate enough income to support his family. Working 6 days a week and 10 hours a day, he earns about Le 400,000 every month from this business.

Osman would like a loan in the amount of Le 4,000,000. He requires a loan in order to buy different type of radios and electric lamps for his business. He hopes this loan will enable him to increase his monthly profits by approximately Le 300,000. In the future, Osman plans to open a bigger shop, educate children and buy a piece of land. He 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
  • 35
    View loans »
    Sierra Leone Loans Fundraising
  • $9,980,225
    Funds lent in using Kiva
  • 4,305.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $950 helped Osman to buy different type of radios and electric lamps.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Apr 8, 2011
Apr 17, 2011
Currency Exchange Loss:
Feb 15, 2012