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Update on Wilfred

Wilfred is forty-nine years old and married. He has four children, who are ages eight, fourteen, sixteen, and twenty-one. He has an additional four dependents who live with him and assist him with his business.

In 2002, Wilfred established his charcoal and wood business. He began his business because there was unmet demand for the type of services he provides. Wilfred works eleven hours a day, seven days a week. He earns about 1,970,000 SLL each month from this business. He would like a loan in the amount of 4,000,000 SLL to purchase more firewood for his business.

In the future, Wilfred plans to erect his own house and send his children to university. He thanks you for your support.

Previous Loan Details

This is 48-year-old Wilfred. He is married and has 4 children, ages 20, 15, 13 and 7 years. He has 3 additional dependents who live with him to assist in business. In 2002, Wilfred established his charcoal and wood business. He began his business because in the environment there was no such b... More from Wilfred'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
  • 44
    View loans »
    Sierra Leone Loans Fundraising
  • $10,082,750
    Funds lent in using Kiva
  • 4,339.9
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $925 helped Wilfred to purchase more firewood for his business.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Jan 18, 2013
Jan 21, 2013
Currency Exchange Loss:
Dec 17, 2013
This photo was used before for a previous loan for Wilfred. It was first posted on Kiva on Feb, 2012. Learn More