P. comes from a poor family of 12 people. They were poor enough so that sometimes their mother could not afford to send them to school. She is now 32 years old, married, and has five children of her own. She has experienced the difficulties of family life, as she does not have a job to support the family. Her husband is a hard working man and they have put all their effort and time into their plantation. Through days of working in the sun and sometimes in the rain, P. and her husband renovated their home. Through her previous loan she has installed a water supply. This is P.'s second loan, and she is planning to buy a water tank because the water supply in her area is very poor. Sometimes they hardly get water, so most of the time they rely on the rain water.
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.