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Samuel  S.
This is 43-year-old Samuel S. He is married, and has 6 children aged 4, 6, 8, 10, 11 and 20 years, and all are school-going children. In 2002, Samuel S established his building materials business. He began his business because he dropped out of high school because his father could not pay his WAEC (West African Examinations Council) fees.

His mother gave him a small amount of money and he started peddling. His business grew over the years, and with loans that he has acquired from this credit service his business has expanded. Working 7 days a week and 12 hours a day, he earns about Le1,280,000 every month from this business. He would like a loan in the amount of Le 5,000,000. Samuel S has already received and successfully repaid 5 loans, and now requires a new loan in order to purchase cord cables - 5 rolls @ Le500.000, electric bulbs 10 cartons @ Le130,000, safty caps - 10 pieces @ Le20,000, door locks - 50 @ Le20,000.

In the future, Samuel S plans to be importer. The loans help as they bring in additional income. He is very hardworking. The loans he took helped a lot in solving his domestic and business problems. 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
  • 33
    View loans »
    Sierra Leone Loans Fundraising
  • $9,980,225
    Funds lent in using Kiva
  • 4,300.1
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,175 helped Samuel S. to purchase cord cables - 5 rolls @ Le500.000, electric bulbs 10 cartons @ Le130,000, safety caps - 10 pieces @ Le20,000, door locks - 50 @ Le20,000.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Aug 15, 2012
Sep 4, 2012
Currency Exchange Loss:
Mar 15, 2013