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This is 36-year-old Julius. He is married and has three children ages 5, 3, and 1 month. In 2011, Julius established his bar and restaurant business. He began his business because he wants to provide a livelihood for his family. Working 7 days a week, 14 hours a day, he earns about SLL 800,000 every month from this business. He would like a loan in the amount of SLL 5,000,000. Julius requires a loan in order to buy more drinks and food for his restaurant for resale. In the future, Julius plans to become an international businessman, educate his children to university level, and build his own house. 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
  • 46
    View loans »
    Sierra Leone Loans Fundraising
  • $10,094,200
    Funds lent in using Kiva
  • 4,308.5
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,175 helped Julius to buy more drinks and food for resale.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Aug 16, 2013
Aug 27, 2013
Currency Exchange Loss:
Mar 17, 2014