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Update on James

James, age 42, established his mobile phone accessories business in 2003. He is an honest man who began his business by selling belts and jeans from his stall, but who now sells mobile phone accessories in order to better cater to his family's needs. He and his wife have three children, ages four, seven, and 15. He has one additional dependent, who lives with him to help with the household chores. Working seven days a week and 12 hours a day, he earns about Le 1,950,000 every month from his business. He travels to Conakry by vehicle monthly.

James would like to request a loan in the amount of Le 3,000,000. He has already received and successfully repaid four loans, and he will use his new loan funds to improve and increase his stock of mobile phone accessories.

In the future, James plans to develop his business and move to a shop instead of a stall as well as to buy a piece of land. His goal is to improve his livelihood and his family's standard of living.

James thanks you for your support.

Previous Loan Details

This is 41-year-old James. He is married and has three children aged 3, 7 and 14. He has one additional dependent, who lives with him to help with the household chores. In 2003, James established his mobile phone accessories business. He began his business with the sale of belts and jeans b... More from James'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
  • 40
    View loans »
    Sierra Leone Loans Fundraising
  • $9,980,225
    Funds lent in using Kiva
  • 4,339.9
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $700 helped James to buy mobile phone accessories to offer for sale.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jan 18, 2013
Jan 21, 2013
Currency Exchange Loss:
Aug 17, 2013