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Frank S.

Update on Frank S.

This is 54 year-old Frank. He is married and has five children aged 34, 31, 28, 24 and 21. Two of his children are schooling. He has three additional dependents who live with him. They are his nephews who are staying with him for schooling. In 1985, Frank established his patient drug business. He began his business just to enable him to solve his domestic problem. His business is located in the heart of town and his main customers are all classes of business customers. Working 7 days a week and 13 hours a day, he earns about Le 850,000 every month from this business. He would like a loan of Le 4,000,000. Frank has already received and successfully repaid one loan and now requires a new loan in order to buy patient drugs for Le 4,000,000. He hopes that this loan will enable him to buy more stock for his drug store. In the future, Frank plans to complete the construction of his unfinished house and to seek more funds from ARD for expansion. He thanks you for your support.

Previous Loan Details

This is 54-year-old Frank. He is married and has 5 children aged 33, 30, 27, 24, and 20. He has 3 additional dependents who live with him. They are staying with him for schooling. In 1985, Frank established his drug business for patients. He began his business to enable him to solve his domestic ... More from Frank S.'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
  • 38
    View loans »
    Sierra Leone Loans Fundraising
  • $10,068,550
    Funds lent in using Kiva
  • 4,320.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $950 helped Frank S. to buy drugs for patients.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Feb 1, 2013
Feb 9, 2013
Currency Exchange Loss:
Nov 17, 2013
This photo was used before for a previous loan for Frank S.. It was first posted on Kiva on Jul, 2012. Learn More