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Update on Samuel

This is 47-year-old Samuel. He is married, and has five children, ages 24, 21, 17, 13, and 10 years old. Samuel has one additional dependent, a relative who is going to school, who lives with him.

In 2003, Samuel established his food business. He began his business because he wanted to develop his family. Working seven days a week and ten hours a day, he earns about 1,800,000 SLL every month from this business.

He would like a loan in the amount of 4,000,000 SLL. Samuel requires the new loan in order to buy bags of groundnuts, pepper, and Maggi (a flavor enhancer) for his business. He hopes that this loan will enable him to increase his monthly profits by approximately 400,000 SLL.
Samuel still wishes to support his children’s schooling through the university level and build a big store. He thanks you for your support.

Previous Loan Details

This is 45-year-old Samuel. He is married, and has five children, age 22, 19, 16, 11 and 9 years. He has one additional dependent, who lives with him because he is his relative and is going to school. In 2003, Samuel established his food business. He began his business because he wants to d... More from Samuel'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
  • 39
    View loans »
    Sierra Leone Loans Fundraising
  • $10,094,200
    Funds lent in using Kiva
  • 4,326.5
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $925 helped Samuel to buy bags of pepper, Maggi, and groundnuts for his business.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
May 3, 2013
May 27, 2013
Currency Exchange Loss:
Feb 17, 2014
This photo was used before for a previous loan for Samuel. It was first posted on Kiva on Dec, 2011. Learn More