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Moses Bai
This is 28-year-old Moses Bai. He is single and has one child, age 6. In 2009, Moses Bai established his pharmacy business. He began his business as a way of becoming self-employed and to develop himself. His business is located in the outskirts of the city. Working 6 days a week and 14 hours a day, he earns about LE 900,000 every month from this business. He would like a loan in the amount of LE 5,000,000. Moses Bai requires a loan in order to buy more medicines for his pharmacy. He hopes that this loan will help him attract more customers and enable him to stock his pharmacy with quality medicines. In the future, Moses Bai plans to expand his business and provide a good education for his child.

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
  • 14
    View loans »
    Sierra Leone Loans Fundraising
  • $9,542,800
    Funds lent in using Kiva
  • 4,337.8
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,175 helped Moses Bai to buy more medicines for his pharmacy.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Feb 7, 2014
Feb 21, 2014
Currency Exchange Loss:
Sep 17, 2014