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Lalotea S. is a 45-year-old woman living in the town of Mulifanua. She is married and has 6 school-aged children. To make a living, Lalotea operates a fishing business. The main source of income for the business comes from selling ocean-caught fish in the local community. Lalotea has been engaged in this business for over 7 years and earns approximately 650 Samoan tala (about $246 US) a month from these activities.

In 2005, Lalotea joined SPBD to gain access to financial services to help improve her living situation and ability to engage in business activities. Lalotea has successfully repaid a previous loan of 1250 tala from SPBD. This previous loan was used to purchase a fishing boat. Lalotea is now requesting a new loan of 1000 tala which will be used to invest in expanding the business. The loan will be her third from SPBD. Lalotea plans to use the additional revenue generated from the business to improve her family's general living conditions.

About SPBD:
SPBD's mission is to improve the quality of life of people living in poverty in the poor island nations of the South Pacific. SPBD's philosophy of lending is based on a respect for each individual's innate human ingenuity, drive and self esteem.

*Note: To maximize efficiency and reduce costs, this loan was posted using a template to automate the translation by Kiva. Given that manual translation of entrepreneur profiles is costly, Kiva created this template for our Field Partner to allow them to continue to post loans in English while providing quality and accurate information to Kiva lenders.

Additional Information

About SPBD

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.

About Samoa

  • $5,200
    Average annual income
  • 62
    View loans »
    Samoa Loans Fundraising
  • $7,805,550
    Funds lent in using Kiva
  • 2.8
    Samoa Tala (WST) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Lalotea to expand the business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 9, 2009
Aug 10, 2009
Currency Exchange Loss:
Aug 15, 2010