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This is 29-year-old Osman. He is married with one child, aged four years, and is a school-going child. In 2002, Osman established his building materials business. He sells floor mats, door locks, foam mattresses, paint brushes, threads, nails, pillows, extension cables, bulbs, plastic chairs, twine, Cellotex, etc..

When he was younger Osman assisted his uncle with his business after school hours. After sitting his high school exams, his uncle fully engaged him in the business by helping him establish his own business. Working seven days a week and 12 hours a day, he earns about Le 3,000,000 every month. He would like a loan in the amount of Le 5,000,000.

Osman has already received and successfully repaid four loans and now requires a new loan in order to buy merchandise (ten large foam mattresses @ Le360,000; six small foam mattresses @ Le220,000. The balance of Le80,000 will be used for transportation. In the future, Osman plans to become an international businessman, build a house and buy a car. He wants to further his education and provide quality education for his child. The loan will generate more income. Inadequate capital is his major challenge. He is an honest and hardworking businessman. He thanks ARD for improving his business. 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
  • 4,347.8
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,175 helped Osman to buy building materials for his business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Oct 3, 2012
Oct 18, 2012
Currency Exchange Loss:
May 17, 2013