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This is 48-year-old Charles. He is married and has 4 children, ages 18, 15, 12 and 8. He has 2 additional dependents who are his parents.

In 2001, Charles established his rice business. He began his business to enhance his independence. It is his only source of livelihood. Working 7 days a week and 13 hours a day, he earns about 9,000,000 SLL every month from this business. He would like a loan in the amount of 4,000,000 SLL in order to buy rice (big bag) 2,500,00 SLL, (small bag) 1,500,000 SLL. He hopes that this loan will enable him to increase his monthly profits by approximately 250,000 SLL.

In the future, Charles plans to own a larger shop, and give his children quality education. The current rate of inflation is his major business challenge. 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
  • 45
    View loans »
    Sierra Leone Loans Fundraising
  • $10,082,750
    Funds lent in using Kiva
  • 4,315.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $950 helped Charles to buy more bags of rice for his business.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Jul 7, 2011
Jul 20, 2011
Currency Exchange Loss:
Apr 15, 2012