Toalima H., age 30, is married and has three children. She has many years of experience in the farming business. She sells to the general public 6 days per week. She has had one previous loan from SPBD. She expects her weekly net cash flow to be 250 Tala. SPBD loans are Toalima’s only access to capital because she was never able to qualify for a loan from traditional banks. Part of her loan will be used to pay her children's school fees. Her husband works at Yazaki to earn extra income.
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.