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Update on Miniru

This is 28-year-old Muniru. He is married, and he has two children, ages four and six. He has one additional dependant, who lives with him to help with a younger brother's schooling.

In 2007, Muniru established his business selling provisions, drinks, toiletries and gari. He started the business to be self-reliant after dropping out of school. His business is located in the outskirt town, and his main customers are adults. Working 7 days a week and 14 hours a day, he earns about SLL 2,531,000 every month from this business.

He would like a loan in the amount of SLL 5,000,000. Muniru has already received and successfully repaid five loans, and he now requires a new loan in order to buy more provisions. He hopes that these loans will help him to increase his stock and expand the business.

In the future, Muniru hopes to improve the business and expand to a shop within the lorry park. He started the business hawking gari around the lorry park area, and now he has a shop. He thanks you for your support.

Previous Loan Details

This is twenty-eight-year-old Miniru. He is married, and has two children aged three and six. He has one additional dependent who lives with him to help his brother with his education. In 2007, Miniru established his provisions, drinks, toiletries, and recharge card business. He began his bu... More from Miniru's previous loan »

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.

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
  • 23
    View loans »
    Sierra Leone Loans Fundraising
  • $9,574,925
    Funds lent in using Kiva
  • 4,329.9
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,175 helped Miniru to pay for provisions, like soft drinks, cigarettes, and mayonnaise.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Nov 1, 2013
Nov 10, 2013
Currency Exchange Loss:
May 17, 2014
This photo was used before for a previous loan for Miniru. It was first posted on Kiva on Apr, 2013. Learn More