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Osman is twenty-seven years old, married, and has a one year old child. He has no additional dependents.

In 2002, Osman established his business selling drinks, biscuits, milk, cell phones, and top-up cards. He began his business because he wanted to generate income to enroll in a university. His business is located in the outskirts of Freetown. His primary customers are people that live in his community.

Osman works seven days a week and seventeen hours each day. He earns about 900,000 SLL each month from this business. He would like a loan in the amount of 5,000,000 SLL to buy more drinks, milk, and cell phone recharge cards to resell. In the future, Osman plans to establish another store within his community. He will use the funds to educate his child.

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
  • $9,574,925
    Funds lent in using Kiva
  • 4,339.9
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,175 helped Osman to buy beverages, milk, and cell phone recharge cards to sell.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Jan 18, 2013
Jan 21, 2013
Currency Exchange Loss:
Nov 17, 2013