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This is 33-year-old Umara. He is married and has three children, aged four, eight and twelve. In 2000, Umara established his plastic products sales business. The products he sells include bowls, cooking utensils, buckets, and spoons. He started the business in order to be self-reliant, after dropping out school. 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 1,497,250 every month from this business.

Umara would like a loan in the amount of Le 5,000,000. He has already received and successfully repaid five loans, and now he requires a new loan in order to buy additional goods to sell, including food flasks, plastic kettles and laundry bowls. He hopes that this loan can improve his stock and increase his profit. In the future, Umara plans to expand the business to the outskirts of town, and he hopes to be able to raise enough profit and further his education. 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
  • 33
    View loans »
    Sierra Leone Loans Fundraising
  • $9,980,225
    Funds lent in using Kiva
  • 4,369.9
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,150 helped Umaru to buy additional goods to sell, including food flasks, plastic kettles and laundry bowls.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Aug 16, 2013
Aug 26, 2013
Currency Exchange Loss:
Mar 17, 2014