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Update on Mahmoud

This is 47 years old Mahmoud. He is married and has 3 children aged 19, 20 and 5. He has 2 additional dependents, who lived with him as a sales assistant and to help his wife with the house chores. In 1992, Mahmoud established his brief cases and suit cases business. He began his business because he wants to improve his livelihood. His business is located in the city center and his main customers are adults.

Working 7 days a week and 10 hours a day, he earns about Le 1,520,000 every month from this business. He would like a loan in the amount of Le 5,000,000. He has repaid 3 loans. Mahmoud requires a loan in order to purchase more suit cases for resale. He hopes that this loan will help in increasing and maximizing the profit through proper utilization. In the future, Mahmoud plans to expand and to move to a shop. He thanks you for your support.

Previous Loan Details

This is 45 year-old Mahmoud. He is married, and has five children aged 18, 15, 6, 4, and 2. In 1990, Mahmoud established his luggage business. He began his business to generate income and to take care his family. Working seven days a week and 11 hours a day, he earns about 1,920,000 SLL a mon... More from Mahmoud'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
  • 46
    View loans »
    Sierra Leone Loans Fundraising
  • $10,094,200
    Funds lent in using Kiva
  • 4,314.8
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,175 helped Mahmoud to buy luggage to sell.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Feb 15, 2013
Feb 24, 2013
Currency Exchange Loss:
Nov 17, 2013