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Update on Massa

This is 45-year-old Massa. She is divorced and has five children between the ages of 14 and 28. She has two additional dependents living with her to help an elder sister and assist in schooling.

In 2005, Massa established a general store, selling drinks, provisions, toiletries and cement. She began her business so she could be self-reliant after divorcing her husband. Her business is located in the city center and her main customers are all ages and sexes. Working 7 days a week and 14 hours a day, she earns about SLL 1,800,000 every month from this business.

She would like a loan in the amount of SLL 5,000,000. Massa has already received and successfully repaid five loans, and now requires a new loan in order to buy additional inventory for her store. She hopes that this loan will improve her stocks. In the future, Massa plans to improve her business by opening another shop at the outskirts of town. She thanks you for your support.

Previous Loan Details

This is 44 year old Massa. She is divorced and has five children. She has two additional dependents who live with her. They help her elder sister and assist in schooling. In 2005, Massa established her provisions and drinks business. She started by selling drinks and then provisions. Working six... More from Massa'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
  • 13
    View loans »
    Sierra Leone Loans Fundraising
  • $9,574,925
    Funds lent in using Kiva
  • 4,349.9
    Sierra Leone Leones (SLL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,150 helped Massa to pay for additional inventory for her general store.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Dec 19, 2012
Dec 21, 2012
Currency Exchange Loss:
Jul 17, 2013