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Yawa Massa

Update on Yawa Massa

Yawa Massa is seeking a fifth loan from WAGES to continue growing her business selling school supplies, such as workbooks and pens.

She has used her previous loans to reinvest in her business and to increase her stock. The new school year will start soon, so it is important to be able to stock up on school supplies in order to successfully meet the increased demand from her customers.

Yawa Massa, 31 years old, is married to a mechanic, and the couple recently had their third child. The profits from her business will help her secure the well-being of her growing family.

Previous Loan Details

Yawa Massa has a small business selling school materials on a retail basis. She has been running her business for over nine years. She has also been a teacher and so she knows the advantages of this type of business. With the return to school approaching she wants to increase her income. She is r... More from Yawa Massa's previous loan »

Additional Information

About Women and Associations for Gain both Economic and Social

This loan is administered by Women and Associations for Gain both Economic and Social (WAGES), Togo’s second-largest microfinance institution. Along with a wide range of savings and loan products, WAGES offers its clients training programs in basic literacy, health care (HIV/AIDS and malaria), and business-related subjects (business management, marketing, accounting). You can show your support for WAGES by joining its lending team!

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 Togo

  • $1,500
    Average annual income
  • 16
    View loans »
    Togo Loans Fundraising
  • $8,894,925
    Funds lent in using Kiva
  • 488.8
    Communauté Financière Africaine Francs BCEAO (XOF) = $1 USD