Dorothy W., 23, is married with two children. She has two years of experience in the plantation business. She sells to the general public three days per week. She has had one previous loan with SPBD. She expects her weekly net cash flow to be 400 Tala (about US $132). SPBD loans are Dorothy’s only access to capital because she was never able to qualify for a loan with traditional banks.
South Pacific Business Development (SPBD) improves conditions for families living in poverty by providing accessible credit, training, and guidance to help them start, grow and maintain micro-businesses, build assets, finance home improvements, and afford to educate their children. 99% of SPBD’s loans go to women, who can borrow in groups to guarantee one another rather than put up collateral.