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The Lord Is The Owner Group
In this Group: Theresa, Musu, Fatu, Rebecca, Justina
The Lord Is The Owner is a group of five borrowers led by Theresa D.. She is 56 years old and married with five children between the ages of 20 and 38. The children's educational levels are between 10th grade and university graduate. Theresa herself is illiterate due to poverty. Theresa and her family live in a newly built community located north of the capital, Monrovia, in Liberia. The homes are for poor people who can't afford to buy a lot in town.


Theresa's business is selling charcoal. She buys charcoal wholesale and resells it at retail prices to residents of Virginia, north of the capital, Monrovia, Liberia. She has been running this business for six years and hopes to establish a general store in the future. Theresa sells quality charcoal and talks to her customers in a friendly way in order to encourage them to continue buying from her.


Theresa needs this loan in order to purchase more charcoal to fill her customers' needs. She dreams of educating her children and improving her family's standard of living.

Additional Information

Note on LEAP:

During routine partner monitoring, Kiva learned that LEAP's delinquency data may be understated due to technical problems with their reporting software. Because this report is key to our analysis of the risk of this partner, delinquency or default rates on loans to this partner may be higher than we expect. For further details, see LEAP’s partner page on Kiva.

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.

About Liberia

  • 500
    Average annual income
  • 0
    View loans »
    Liberia Loans Fundraising
  • $3,038,425
    Funds lent in using Kiva
  • 70.5
    Liberia Dollars (LRD) = $1 USD