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Update on Joseph

This is 40 year old Joseph. He is married and has two children aged three and eight. In 2007, Joseph established his cinema and provisions business. He began his business after losing a brother that was his support so that he could be self reliant. His business is located in the city center and his main customers are adults.

Working 7 days a week and 14 hours a day, he earns about Le 715,800 every month from this business. He would like a loan in the amount of Le 3,000,000. Joseph has already received and successfully repaid one loan, and now requires a new loan in order to buy additional toiletries and to pay the DSTV (digital satellite) subscription. He hopes that this loan can help grow the business. In the future, Joseph plans to be able to expand his provisions trade. He thanks you for your support.

Previous Loan Details

This is 40-year-old Joseph. He is married and has two children, aged eight and three, who both attend school. In 2007, Joseph established his cinema business. The business was started to help a late brother after coming from the provinces. His business is located in the city center and his main ... More from Joseph'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
  • 4,328.8
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $700 helped Joseph to pay for drinks.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jun 7, 2013
Jun 14, 2013
Currency Exchange Loss:
Jan 17, 2014
This photo was used before for a previous loan for Joseph. It was first posted on Kiva on Nov, 2012. Learn More