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This is 36-year-old Zacharia. He is married, and has 3 children aged 12, 8 and 3 years and all are school going children. He has 1 additional dependent, who lives with him because he is helping in the house. In 2008, Zacharia established his motorbikes business. He began his business because he dropped out of school due to lack of interest. He joined his elder brother in business. After some years his brother gave him some money to start selling cosmetics. He later changed to electronics and motorbikes. Working 5 days a week and 13 hours a day, he earns about SLL 2,580,000 every month from this business. He would like a loan in the amount of SLL 5,000,000. Zacharia requires a loan in order to buy a motorbike - 1 piece @ SLL 4,000,000, and inner tires/2 pieces @ SLL 500,000.

In the future, Zacharia plans to build another house, educate his children and send them abroad, and become an international business man. This loan will help to increase his profit. Custom fees are very high. He is a hardworking and honest business man He thanks you for your support.

Additional Information

About the Association or 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
  • 14
    View loans »
    Sierra Leone Loans Fundraising
  • $9,542,800
    Funds lent in using Kiva
  • 4,349.8
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,150 helped Zacharia to buy a motorbike - 1 piece @ SLL 4,000,000, and inner tires 2 pieces @ SLL 500,000.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Dec 19, 2012
Jan 1, 2013
Currency Exchange Loss:
Jul 17, 2013