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This is 35 year-old Emmanuel. He is married and has no children.

In 2005, Emmanuel established his ready-made clothes, baby clothing and calculators business. He began his business because he wants to be self-reliant after coming from the village. His business is located in the city center and his main customers are adults. Working 7 days a week and 12 hours a day, he earns about Le 1,289,000 every month from this business.

He would like a loan in the amount of Le 5,000,000. Emmanuel has already received and successfully repaid 3 loans, and he now requires a new loan in order to buy jeans, T-shirt and shirts. He hopes that this loan will improve his stock and increase his profit. In the future, Emmanuel plans to improve his business and use the proceeds of the loan to begin constructing a house on land he just acquired. 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
  • 47
    View loans »
    Sierra Leone Loans Fundraising
  • $10,094,200
    Funds lent in using Kiva
  • 4,331.4
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,175 helped Emmanuel to pay for jeans, t-shirt and shirts.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Dec 5, 2012
Dec 16, 2012
Currency Exchange Loss:
Jul 17, 2013