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Michael, 31, is married and has a three-year-old child. He has one additional dependent who lives with him.

In 2007 Michael opened his food and drink shop. Previously he was working at the front desk in one of the hotels in town. Because of the poor pay, he decided to set up his own business with his savings. Working seven days a week and fourteen hours a day, he earns about 1,000,000 SLL every month.

Michael is requesting a 4,500,000 SLL loan from ARD. He has already successfully repaid his previous loan and now needs a new loan in order to buy six cartons of luncheon meat for 180,000 SLL, twelve crates of Parrot Bay malt liquor at 48,000 SLL, twenty cartons of margarine for 75,000 SLL and six bags of sugar for 210,000 SLL. He hopes that this loan will enable him to increase his monthly profits by approximately 900,000 SLL.

In the future, Michael plans to build a house from the proceeds of the business and see that his children receive a university education. 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
  • 13
    View loans »
    Sierra Leone Loans Fundraising
  • $9,574,925
    Funds lent in using Kiva
  • 4,325.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,050 helped Michael to buy 6 Catton luncheon meat @ Le.180,000, 12 crates parrot drinks @ Le.48,000,20 Cattons margarine butter @ Le.75,000 and 6 bags of sugar @ Le.210,000.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Feb 15, 2012
Feb 26, 2012
Currency Exchange Loss:
Sep 15, 2012