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This is 37-year-old Emmanuel. He is married and has two children, ages 10 and 15. He has three additional dependents living with him. In 2006, Emmanuel established his provision-and-bar business. He began his business because he needed a reliable source of income to provide for his family. Working 7 days a week and 15 hours a day, he earns about 1,200,000 SLL every month from this business. He would like a loan in the amount of 5,000,000 SLL to buy more provisions and drinks for his business. In the future, Emmanuel plans to open another outlet that will be managed by his wife. He is thanking 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
  • $9,980,225
    Funds lent in using Kiva
  • 4,310.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,175 helped Emmanuel to buy more drinks and provisions for his business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 7, 2012
Mar 29, 2012
Currency Exchange Loss:
Apr 17, 2013