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Melsie is 38 years old, married and has two children, aged 5 and 12. In 2006, Melsie established a provisions business, carrying items such as sugar, milk, mayonnaise, margarine, tea, and coffee, etc. Before Melsie established the provisions business, she tried selling textiles for a few years, but realized that she was not making much profit. When she changed the business to provisions, it began proving well for her. Melsie started her business to help her husband provide a livelihood for their family. She earns about SLL 1,600,000 every month by working 6 days a week, 10 hours a day.

Melsie would like a loan in the amount of SLL 5,000,000. She has already received and successfully repaid four loans, and now requires a new loan to buy sugar, milk, mayonnaise, margarine, tea and coffee for her provisions business. She hopes that this loan will enable her to increase her monthly profits by approximately SLL 300,000.

In the future, Melsie plans to expand the business to the outskirts of town and to contribute to the building of a dwelling house for their family. She 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
  • 38
    View loans »
    Sierra Leone Loans Fundraising
  • $10,068,550
    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 Melsie to pay for sugar, milk, mayonnaise, margarine, tea, and coffee for her provisions business.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Dec 16, 2011
Dec 28, 2011
Currency Exchange Loss:
Aug 15, 2012