Lagimaina S. is twenty five years old. She has two children, and her husband is a carpenter. She runs a sewing business, where she faces uncertain costs that depend on materials and urgency. She attends the flea market at Apia to buy the materials. Lagimaina is also the secretary of the Manono C center (borrowing group), and she is supporting her young children who are in kindergarten. She is asking for a loan of US$700 to purchase a new sewing machine andsupplies for home improvement. This is her fifth loan and she is expecting to borrow more in the future to improve her business as well as to support her children. Lagimaina is very hard-working and will be able to repay the loan.
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.