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This is 41-year-old James. He is married and has three children aged 3, 7 and 14. He has one additional dependent, who lives with him to help with the household chores.

In 2003, James established his mobile phone accessories business. He began his business with the sale of belts and jeans but now sells mobile phone accessories, to cater for his family's needs. Working 7 days a week and 12 hours a day, he earns about Le 1,800,000 every month from this business. He would like a loan in the amount of Le 3,000,000.

James has already received and successfully repaid three loans and now requires a new loan in order to improve his stock. He hopes that this loan will enable him to increase his monthly profits by approximately Le 300,000.

In the future, James plans to develop his business and move to a shop instead of a stall and to improve the livelihood of his family. He is honest. He travels to Conakry by vehicle monthly. 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
  • 32
    View loans »
    Sierra Leone Loans Fundraising
  • $9,980,225
    Funds lent in using Kiva
  • 4,325.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $700 helped James to pay for mobile phone accessories.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Feb 15, 2012
Feb 20, 2012
Currency Exchange Loss:
Sep 15, 2012