Caroline S. is a thirty-eight year old married mother of three. Her business is sewing, and she specializes in making popular Samoan styles of men’s shirts (Aloa) and ladies’ dresses (Puletasi). Her domestic duties allow her to sew four days a week, and she can fill the orders of five to eight customers each day. Working at this pace, she can make sales of about ST 200 (USD 80) each working day. Caroline used an initial SPBD loan to launch her business by purchasing a sewing machine. Having repaid this loan and established a good customer base, she is now seeking a second loan. With this loan she will begin purchasing her own material rather than asking her customers to supply it for her to fulfill their orders. She thinks this will greatly improve her customer service and expects that she can further increase her customer base this way.
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.