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Massa J. is a trader and rents a shop on a major business route. She trades in provisions and other assorted items. She is married to a businessman with two daughters. She has been in business for the past four years.

Massa is in need of a loan to increase her stock in her shop. She has proven to have a very good credit history in individual lending. She hopes to use the proceeds of the loan to pay for one of her daughter's university fees and to buy a piece of land.

She is very modest and spends her entire time in her business without assistance from her relatives.

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
  • 62
    View loans »
    Sierra Leone Loans Fundraising
  • $9,347,350
    Funds lent in using Kiva
  • 3,875.1
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,050 helped Massa to buy assorted provisions.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Jan 6, 2010
Jan 26, 2010
Currency Exchange Loss:
Sep 15, 2010