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Osman J.
This is 32-year-old Osman. He is married, and has two children: a seven-year-old and a nine-month-old baby; one is a school-going child. In 2008, Osman established his jeans, shirts, polos, and shoes business. He began his business when he dropped out of school. His sister, who was supposed to assist him with school, only gave him a small amount to start petty trading.

Working seven days a week and 15 hours a day, he earns about SLL 1,508,000 every month from this business. He would like a loan of an amount of SLL 3,000,000. Osman requires a loan in order to buy jeans, shirts and polos.

In the future, Osman plans to develop his piece of land, educate his children and become an international business man. This loan will help him to achieve some of his future plans. Inadequate capital is his main challenge. He thanks you for your support.

Additional Information

About the Association or 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
  • 13
    View loans »
    Sierra Leone Loans Fundraising
  • $9,574,925
    Funds lent in using Kiva
  • 4,328.1
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $700 helped Osman J. to buy jeans, shirts and polos.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jun 7, 2013
Jun 16, 2013
Currency Exchange Loss:
Nov 17, 2013