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Update on Alice

This is 44-year-old Alice. She is married, and has 3 children aged 30, 23 and 10. In 2007, Alice established her cigarette, soap, Peak milk, biscuit, battery etc. business. She began her business because she did not go to school and was trained up as a business woman. Working 7 days a week and 15 hours a day, she earns about SLL1,000,000 every month from this business. She would like a loan in the amount of SLL 4,500,000. Alice has already received and successfully repaid 1 loan, and now requires a new loan in order to purchase cigarettes, biscuits, milk, etc. for resale and to use the balance of the money on transportation. In the future, Alice plans to have another outlet, build a house and to educate her children. She thanks you for your support.

Previous Loan Details

This is 43-year-old Alice. She is married and has three children aged 29, 23 and 9. She has one additional dependent who lives with her because of schooling. In 2007, Alice established her provision, drinks and toiletries business. She never went to school and her mother trained her to do bus... More from Alice's previous loan »

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.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

About Sierra Leone

  • $2,100
    Average annual income
  • 46
    View loans »
    Sierra Leone Loans Fundraising
  • $10,094,200
    Funds lent in using Kiva
  • 4,347.9
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,050 helped Alice to buy sardines, mayonnaise, milk, sugar, drinks and toiletries for her business.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Oct 2, 2012
Oct 18, 2012
Currency Exchange Loss:
Sep 17, 2013
This photo was used before for a previous loan for Alice. It was first posted on Kiva on Dec, 2011. Learn More