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This is 41-year-old Francis. He is married and has 2 children, ages 12 and 18. He has 4 additional dependents who live with him because their parents were unable to provide an education for them.

In 1991, Francis established his European games and sports center business. He began his business because his salary was not sufficient for him and his family. Working 4 days a week and 5 hours a day, he earns about 1,000,000 SLL every month from this business. He would like a loan in the amount of 3,000,000 SLL. Francis requires a loan in order to improve on his business. He hopes that this loan will enable him to increase his monthly profits by approximately 250,000 SLL.

In the future, Francis plans to build a shop and give adequate support to his children for their education. 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
  • 34
    View loans »
    Sierra Leone Loans Fundraising
  • $9,980,225
    Funds lent in using Kiva
  • 4,318.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $700 helped Francis to buy modern television sets and pay his annual subscription fees.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Jul 13, 2011
Aug 10, 2011
Currency Exchange Loss:
Oct 16, 2012