Taulaai F., 48, is married with 3 children. She has 5 years of experience in the plantation business. She sells to the general public 5 days per week. Taulaai has 3 previous loans with SPBD. She expects her weekly net cash flow to be 200 Tala. SPBD loans are Taulaai’s only access to capital because she is not able to qualify for a loan from traditional banks. Part of her loan will be used to pay her children's school fees.
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.