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This is 35-year-old Osman. He is married and has two children, ages 6 and 2. He has two additional dependents living with him. In 2007, Osman established his mobile phone credit card business. He began his business because he wants to assist his family. Working 7 days a week and 13 hours a day, he earns about 800,000 SLL every month from this business. Osman now requires a new loan in the amount of 3,000,000 SLL in order to increase his inventory of credit cards and to buy one new Tiger generator for charging phone batteries. In the future, Osman plans to become an international business man and supply to other business men and women. 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
  • 4,295.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $700 helped Osman to buy mobile phone cards.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Sep 19, 2012
Oct 12, 2012
Currency Exchange Loss:
Aug 17, 2013