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This is 46-year-old Osman. He is married to an experienced salesperson and has six children, ages 5, 8, 10, 12, 15 and 18. He has two additional dependents who live with him and help in his business.

In 1996, Osman established his butcher shop. He started his business with money from the sale of a piece of land. He can now maintain his savings. Working six days a week and ten hours a day, he earns about 1,300,000 SLL every month from this business. He would like a loan of 5,000,000 SLL. Osman has already received and successfully repaid one loan. He will use the new loan to buy cows (4 @ 900,000 SLL), goats (6 @ 50,000 SLL), and sheep (3 @ 120,000 SLL). He hopes that this loan will enable him to increase his monthly profits by approximately 350,000 SLL. In the future, Osman plans to open another butcher shop, support his children's education, and buy a vehicle to transport animals he has purchased. Transportation costs for the animals is his primary business challenge. He support 70% of the community with his business. 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
  • 46
    View loans »
    Sierra Leone Loans Fundraising
  • $10,068,550
    Funds lent in using Kiva
  • 4,355.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,150 helped Osman to buy cows, goats, and sheep.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Aug 5, 2011
Aug 17, 2011
Currency Exchange Loss:
Jun 16, 2012