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Michael  M.
This is 50-year-old Michael. He is married and has three children aged 19, 16, and 14, all schooling. He has two additional dependents, who live with him. They are his wife's nephews, staying with him for schooling.

In 2003, Michael established his patient medicine business. He began his business because he wanted to engage in productive activity after he resigned from work and that is his only source of livelihood. Working 7 days a week and 13 hours a day, he earns about Le 750,000 every month from this business. He would like a loan in the amount of Le 5,000,000.

Michael has already received and successfully repaid a loan and now requires a new loan in order to buy Novalgin tabs, Amoxicillin, Dexedrine and Paracetamol. He hopes that this loan will enable him to increase his monthly profits by approximately Le 400,000. In the future, Michael plans to establish a desk-top publishing center, to build a house and educate his children. 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 M. to buy Paracetomal, Amoxicillin, Dexorange, and Novalgin.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Dec 16, 2011
Jan 22, 2012
Currency Exchange Loss:
Oct 16, 2012