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        <TitleTxt>DIRECTOR</TitleTxt>
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        <IndividualTrusteeOrDirectorInd>X</IndividualTrusteeOrDirectorInd>
        <ReportableCompFromOrgAmt>0</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <TotalReportableCompFromOrgAmt>144058</TotalReportableCompFromOrgAmt>
      <IndivRcvdGreaterThan100KCnt>1</IndivRcvdGreaterThan100KCnt>
      <FormerOfcrEmployeesListedInd>false</FormerOfcrEmployeesListedInd>
      <TotalCompGreaterThan150KInd>false</TotalCompGreaterThan150KInd>
      <CompensationFromOtherSrcsInd>false</CompensationFromOtherSrcsInd>
      <MembershipDuesAmt>12285</MembershipDuesAmt>
      <GovernmentGrantsAmt>406900</GovernmentGrantsAmt>
      <TotalContributionsAmt>419185</TotalContributionsAmt>
      <ProgramServiceRevenueGrp>
        <Desc>PATHWAYS TO CONTRACTING</Desc>
        <TotalRevenueColumnAmt>826159</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>826159</RelatedOrExemptFuncIncomeAmt>
      </ProgramServiceRevenueGrp>
      <ProgramServiceRevenueGrp>
        <Desc>EMERGING LEADERS PROGRAM</Desc>
        <TotalRevenueColumnAmt>296233</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>296233</RelatedOrExemptFuncIncomeAmt>
      </ProgramServiceRevenueGrp>
      <ProgramServiceRevenueGrp>
        <Desc>YOUTH ENTREPRENEURSHIP</Desc>
        <TotalRevenueColumnAmt>164259</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>164259</RelatedOrExemptFuncIncomeAmt>
      </ProgramServiceRevenueGrp>
      <ProgramServiceRevenueGrp>
        <Desc>FINANCIAL EDUCATION PROGRAM</Desc>
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        <RelatedOrExemptFuncIncomeAmt>152500</RelatedOrExemptFuncIncomeAmt>
      </ProgramServiceRevenueGrp>
      <TotalProgramServiceRevenueAmt>1439151</TotalProgramServiceRevenueAmt>
      <InvestmentIncomeGrp>
        <TotalRevenueColumnAmt>20743</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>20743</RelatedOrExemptFuncIncomeAmt>
      </InvestmentIncomeGrp>
      <FundraisingGrossIncomeAmt>73890</FundraisingGrossIncomeAmt>
      <FundraisingDirectExpensesAmt>57595</FundraisingDirectExpensesAmt>
      <NetIncmFromFundraisingEvtGrp>
        <TotalRevenueColumnAmt>16295</TotalRevenueColumnAmt>
      </NetIncmFromFundraisingEvtGrp>
      <TotalRevenueGrp>
        <TotalRevenueColumnAmt>1895374</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>1459894</RelatedOrExemptFuncIncomeAmt>
      </TotalRevenueGrp>
      <BenefitsToMembersGrp>
        <TotalAmt>49627</TotalAmt>
        <ProgramServicesAmt>49627</ProgramServicesAmt>
      </BenefitsToMembersGrp>
      <CompCurrentOfcrDirectorsGrp>
        <TotalAmt>144058</TotalAmt>
        <ProgramServicesAmt>144058</ProgramServicesAmt>
      </CompCurrentOfcrDirectorsGrp>
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        <ProgramServicesAmt>671363</ProgramServicesAmt>
        <ManagementAndGeneralAmt>28101</ManagementAndGeneralAmt>
      </OtherSalariesAndWagesGrp>
      <PayrollTaxesGrp>
        <TotalAmt>76900</TotalAmt>
        <ProgramServicesAmt>74165</ProgramServicesAmt>
        <ManagementAndGeneralAmt>2735</ManagementAndGeneralAmt>
      </PayrollTaxesGrp>
      <FeesForServicesAccountingGrp>
        <TotalAmt>43379</TotalAmt>
        <ProgramServicesAmt>20727</ProgramServicesAmt>
        <ManagementAndGeneralAmt>22652</ManagementAndGeneralAmt>
      </FeesForServicesAccountingGrp>
      <FeesForServicesOtherGrp>
        <TotalAmt>137010</TotalAmt>
        <ProgramServicesAmt>101732</ProgramServicesAmt>
        <ManagementAndGeneralAmt>35278</ManagementAndGeneralAmt>
      </FeesForServicesOtherGrp>
      <AdvertisingGrp>
        <TotalAmt>39449</TotalAmt>
        <ProgramServicesAmt>34787</ProgramServicesAmt>
        <ManagementAndGeneralAmt>4662</ManagementAndGeneralAmt>
      </AdvertisingGrp>
      <OfficeExpensesGrp>
        <TotalAmt>25289</TotalAmt>
        <ProgramServicesAmt>19434</ProgramServicesAmt>
        <ManagementAndGeneralAmt>5855</ManagementAndGeneralAmt>
      </OfficeExpensesGrp>
      <InformationTechnologyGrp>
        <TotalAmt>33814</TotalAmt>
        <ProgramServicesAmt>32146</ProgramServicesAmt>
        <ManagementAndGeneralAmt>1668</ManagementAndGeneralAmt>
      </InformationTechnologyGrp>
      <OccupancyGrp>
        <TotalAmt>41713</TotalAmt>
        <ProgramServicesAmt>40149</ProgramServicesAmt>
        <ManagementAndGeneralAmt>1564</ManagementAndGeneralAmt>
      </OccupancyGrp>
      <TravelGrp>
        <TotalAmt>8871</TotalAmt>
        <ProgramServicesAmt>1733</ProgramServicesAmt>
        <ManagementAndGeneralAmt>7138</ManagementAndGeneralAmt>
      </TravelGrp>
      <ConferencesMeetingsGrp>
        <TotalAmt>34742</TotalAmt>
        <ProgramServicesAmt>18711</ProgramServicesAmt>
        <ManagementAndGeneralAmt>16031</ManagementAndGeneralAmt>
      </ConferencesMeetingsGrp>
      <DepreciationDepletionGrp>
        <TotalAmt>9201</TotalAmt>
        <ManagementAndGeneralAmt>9201</ManagementAndGeneralAmt>
      </DepreciationDepletionGrp>
      <InsuranceGrp>
        <TotalAmt>7645</TotalAmt>
        <ProgramServicesAmt>3058</ProgramServicesAmt>
        <ManagementAndGeneralAmt>4587</ManagementAndGeneralAmt>
      </InsuranceGrp>
      <OtherExpensesGrp>
        <Desc>MICROLOAN EXPENSES</Desc>
        <TotalAmt>45888</TotalAmt>
        <ProgramServicesAmt>45888</ProgramServicesAmt>
      </OtherExpensesGrp>
      <TotalFunctionalExpensesGrp>
        <TotalAmt>1397050</TotalAmt>
        <ProgramServicesAmt>1257578</ProgramServicesAmt>
        <ManagementAndGeneralAmt>139472</ManagementAndGeneralAmt>
        <FundraisingAmt>0</FundraisingAmt>
      </TotalFunctionalExpensesGrp>
      <CashNonInterestBearingGrp>
        <BOYAmt>269622</BOYAmt>
        <EOYAmt>296335</EOYAmt>
      </CashNonInterestBearingGrp>
      <SavingsAndTempCashInvstGrp>
        <BOYAmt>659952</BOYAmt>
        <EOYAmt>940600</EOYAmt>
      </SavingsAndTempCashInvstGrp>
      <AccountsReceivableGrp>
        <BOYAmt>684921</BOYAmt>
        <EOYAmt>345316</EOYAmt>
      </AccountsReceivableGrp>
      <OthNotesLoansReceivableNetGrp>
        <BOYAmt>407589</BOYAmt>
        <EOYAmt>659680</EOYAmt>
      </OthNotesLoansReceivableNetGrp>
      <LandBldgEquipCostOrOtherBssAmt>300473</LandBldgEquipCostOrOtherBssAmt>
      <LandBldgEquipAccumDeprecAmt>9201</LandBldgEquipAccumDeprecAmt>
      <LandBldgEquipBasisNetGrp>
        <BOYAmt>49677</BOYAmt>
        <EOYAmt>291272</EOYAmt>
      </LandBldgEquipBasisNetGrp>
      <TotalAssetsGrp>
        <BOYAmt>2071761</BOYAmt>
        <EOYAmt>2533203</EOYAmt>
      </TotalAssetsGrp>
      <AccountsPayableAccrExpnssGrp>
        <BOYAmt>16612</BOYAmt>
        <EOYAmt>27676</EOYAmt>
      </AccountsPayableAccrExpnssGrp>
      <GrantsPayableGrp>
        <BOYAmt>75000</BOYAmt>
      </GrantsPayableGrp>
      <DeferredRevenueGrp>
        <BOYAmt>5000</BOYAmt>
      </DeferredRevenueGrp>
      <UnsecuredNotesLoansPayableGrp>
        <BOYAmt>1209456</BOYAmt>
        <EOYAmt>1248361</EOYAmt>
      </UnsecuredNotesLoansPayableGrp>
      <TotalLiabilitiesGrp>
        <BOYAmt>1306068</BOYAmt>
        <EOYAmt>1276037</EOYAmt>
      </TotalLiabilitiesGrp>
      <OrganizationFollowsFASB117Ind>X</OrganizationFollowsFASB117Ind>
      <NoDonorRestrictionNetAssetsGrp>
        <BOYAmt>765693</BOYAmt>
        <EOYAmt>1257166</EOYAmt>
      </NoDonorRestrictionNetAssetsGrp>
      <TotalNetAssetsFundBalanceGrp>
        <BOYAmt>765693</BOYAmt>
        <EOYAmt>1257166</EOYAmt>
      </TotalNetAssetsFundBalanceGrp>
      <TotLiabNetAssetsFundBalanceGrp>
        <BOYAmt>2071761</BOYAmt>
        <EOYAmt>2533203</EOYAmt>
      </TotLiabNetAssetsFundBalanceGrp>
      <InfoInScheduleOPartXIInd>X</InfoInScheduleOPartXIInd>
      <ReconcilationRevenueExpnssAmt>498324</ReconcilationRevenueExpnssAmt>
      <PriorPeriodAdjustmentsAmt>-6851</PriorPeriodAdjustmentsAmt>
      <MethodOfAccountingAccrualInd>X</MethodOfAccountingAccrualInd>
      <AccountantCompileOrReviewInd>false</AccountantCompileOrReviewInd>
      <FSAuditedInd>false</FSAuditedInd>
    </IRS990>
    <IRS990ScheduleB documentId="RetDoc1">
      <ContributorInformationGrp>
        <ContributorNum>RESTRICTED</ContributorNum>
        <ContributorBusinessName>
          <BusinessNameLine1>RESTRICTED</BusinessNameLine1>
        </ContributorBusinessName>
        <ContributorUSAddress>
          <AddressLine1>RESTRICTED</AddressLine1>
          <AddressLine2>RESTRICTED</AddressLine2>
          <City>RESTRICTED</City>
          <State>RESTRICTED</State>
          <ZIPCode>RESTRICTED</ZIPCode>
        </ContributorUSAddress>
        <TotalContributionsAmt>RESTRICTED</TotalContributionsAmt>
      </ContributorInformationGrp>
    </IRS990ScheduleB>
    <IRS990ScheduleD documentId="RetDoc3">
      <LeaseholdImprovementsGrp>
        <OtherCostOrOtherBasisAmt>300473</OtherCostOrOtherBasisAmt>
        <DepreciationAmt>9201</DepreciationAmt>
        <BookValueAmt>291272</BookValueAmt>
      </LeaseholdImprovementsGrp>
      <TotalBookValueLandBuildingsAmt>291272</TotalBookValueLandBuildingsAmt>
    </IRS990ScheduleD>
    <IRS990ScheduleG documentId="RetDoc4">
      <FundraisingEventInformationGrp>
        <Event1Nm>RIBBA GALA</Event1Nm>
        <GrossReceiptsEvent1Amt>73890</GrossReceiptsEvent1Amt>
        <GrossRevenueEvent1Amt>73890</GrossRevenueEvent1Amt>
        <RentFacilityCostsEvent1Amt>41795</RentFacilityCostsEvent1Amt>
        <EntertainmentEvent1Amt>1170</EntertainmentEvent1Amt>
        <OtherDirectExpensesEvent1Amt>14630</OtherDirectExpensesEvent1Amt>
        <GrossReceiptsTotalAmt>73890</GrossReceiptsTotalAmt>
        <GrossRevenueTotalEventsAmt>73890</GrossRevenueTotalEventsAmt>
        <RentFcltyCostsTotalEventsAmt>41795</RentFcltyCostsTotalEventsAmt>
        <EntertainmentTotalEventsAmt>1170</EntertainmentTotalEventsAmt>
        <OthDirectExpnssTotalEventsAmt>14630</OthDirectExpnssTotalEventsAmt>
        <DirectExpenseSummaryEventsAmt>57595</DirectExpenseSummaryEventsAmt>
        <NetIncomeSummaryAmt>16295</NetIncomeSummaryAmt>
      </FundraisingEventInformationGrp>
    </IRS990ScheduleG>
    <IRS990ScheduleO documentId="RetDoc5">
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990 - ORGANIZATION'S MISSION</FormAndLineReferenceDesc>
        <ExplanationTxt>THE RHODE ISLAND BLACK BUSINESS ASSOCIATION (RIBBA) IS A 501(C)(6) NONPROFIT ORGANIZATION COMMITTED TO CLOSING THE RACIAL WEALTH GAP AND ADVANCING ECONOMIC EQUITY ACROSS RHODE ISLAND. RIBBA OFFERS A COMPREHENSIVE MENU OF PROGRAMS AND SERVICES DESIGNED TO MEET ENTREPRENEURS, SMALL BUSINESSES, AND INDIVIDUALS WHERE THEY ARE. ADDITIONALLY, RIBBA TAILORS ITS PROGRAMMING TO BE CULTURALLY RESPONSIVE. THESE PROGRAMS ARE COMPLEMENTED BY ADDITIONAL SERVICES SUCH AS MARKETING, WEBSITE DEVELOPMENT, FINANCIAL LITERACY AND WORKFORCE TRAINING. RIBBA SUPPORTS THE GROWTH AND SUSTAINABILITY OF SMALL BUSINESSES THROUGH ACCESS TO CAPITAL, TECHNICAL ASSISTANCE, WORKFORCE DEVELOPMENT, LEADERSHIP PROGRAMS, AND ADVOCACY</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 2, PART III, LINE 4D</FormAndLineReferenceDesc>
        <ExplanationTxt>"YOUTH ENTREPRENEURSHIP &amp; WORKFORCE READINESS INITIATIVES" - EQUIPPING YOUNG RHODE ISLANDERS WITH SKILLS AND OPPORTUNITIES TO SUCCEED IN THE WORKFORCE.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 11B</FormAndLineReferenceDesc>
        <ExplanationTxt>THE FORM 990 IS PREPARED BY THE EXTERNAL ACCOUNTANTS AND REVIEWED BY MANAGEMENT. ONCE ALL ARE SATISIFIED WITH THE FORM, IT IS FINALIZED AND A COPY IS SENT TO ALL BOARD MEMBERS.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 12C</FormAndLineReferenceDesc>
        <ExplanationTxt>EACH YEAR EVERY BOARD MEMBER FILLS OUT A CONFLICT OF INTEREST FORM AND UPDATES IT WITH APPROPRIATE CHANGES.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 15A</FormAndLineReferenceDesc>
        <ExplanationTxt>THE BOARD OF DIRECTORS COMES TOGETHER EACH YEAR TO DETERMINE OFFICER TOTAL COMPENSATION PACKAGE BY REVIEWING PRIOR YEAR PERFORMANCE AND DETERMINING RESPONSIBILITIES FOR THE UPCOMING YEAR.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 19</FormAndLineReferenceDesc>
        <ExplanationTxt>GOVERNING DOCUMENTS ARE MADE AVAILABLE TO THE PUBLIC UPON REQUEST AT OUR OFFICE ON 220 SMITH STREET.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PART XI, LINE 9</FormAndLineReferenceDesc>
        <ExplanationTxt>BOOK / TAX DEPRECIATION DIFFERENCE 9,201</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleO>
  </ReturnData>
</Return>