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This is 38 year-old Michael. He is married and the father of a seven-year-old child. In 2009, when he dropped out of school, Michael established a business selling spare parts for bicycles. He is applying for a new loan, his fourth, for Le 5,000,000 to buy more spare parts to sell to his customers. He hopes this loan will allow him to increase his profits by Le 202,000. His goals for the future are to expand his business and educate his child through the university level. His business is popular because it has a good location. In the future, he plans to build his own shop. He thanks you for your support.

Additional Information

About the Association or 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
  • 14
    View loans »
    Sierra Leone Loans Fundraising
  • $9,542,800
    Funds lent in using Kiva
  • 4,300.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,175 helped Michael to buy spare parts for bicycles.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Nov 23, 2011
Nov 30, 2011
Currency Exchange Loss:
Jun 16, 2012