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This is 32-year-old Michael. He is married, and has two children aged six and three; both are school-going children. He has three additional dependents, who live with him to be fostered.

In 2007, Michael established his assorted timber (boards) business. He began his business because the civil war in Sierra Leone made him unable to further his education. After the war, he decided to learn carpentry. He worked with his boss for some years and the money he got was used to open a small workshop. The workshop has now grown into a bigger one with some modern machines.

Working 7 days a week and 11 hours a day, he earns about SLL 2,150,000 every month from this business. He would like a loan of the amount of SLL 5,000,000. Michael requires a loan in order to buy assorted timber and leather cloth.

In the future, Michael plans to educate his children, build a house and buy a delivery van. The loan will help to generate more income. Lack of delivery van and the fact that some customers will not pay on time are his major challenges. He thanks you for your support.

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.

About Sierra Leone

  • $2,100
    Average annual income
  • 41
    View loans »
    Sierra Leone Loans Fundraising
  • $10,094,200
    Funds lent in using Kiva
  • 4,318.0
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,175 helped Michael to buy assorted timber and leather cloth.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Feb 15, 2013
Mar 10, 2013
Currency Exchange Loss:
Sep 17, 2013