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This is 40-year-old Joseph. He is married and has two children, aged eight and three, who both attend school. In 2007, Joseph established his cinema business. The business was started to help a late brother after coming from the provinces. His business is located in the city center and his main customers are all ages and sexes.

Working 7 days a week and 14 hours a day, he earns about 1,126,000 SLL every month from this business. He would like a loan in the amount of 3,000,000 SLL. Joseph requires a loan in order to improve a side shop in the same building for the sale of drinks. He hopes that the loan can help to start the drinks sales business. In the future, Joseph plans to expand the business with the sale of drinks. 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
  • 38
    View loans »
    Sierra Leone Loans Fundraising
  • $10,068,400
    Funds lent in using Kiva
  • 4,300.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $700 helped Joseph to pay for drinks.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Nov 21, 2012
Nov 26, 2012
Currency Exchange Loss:
Jun 17, 2013