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Lotu K. is 46 and married with four children. Her business venture is planting and harvesting cocoa for sale. Lotu has three years of experience in this business.

Lotu needs a loan of 1,500 Samoan talas to purchase harvesting equipment, such as wheelbarrows, shovels, rakes, baskets and knives. She plans to use the earnings from her business (estimated to be 600 talas or $250 per week) to improve/expand the business.

In 2007, Lotu joined SPBD, a Kiva partner. This is her fifth loan with SPBD. SPBD's loans are Lotu's only access to capital because she was never able to qualify for a loan with traditional banks.

About SPBD
In 2000, Greg Casagrande founded SPBD and since then, it has expanded from the main island of Upolu in Samoa to Savaii, as well as Tonga. SPBD's philosophy of lending is based upon the Grameen Bank lending method. Please join SPBD's lending team on Kiva to receive on-the-spot updates on SPBD:

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
  • 13
    View loans »
    Samoa Loans Fundraising
  • $7,960,550
    Funds lent in using Kiva
  • 2.5
    Samoa Tala (WST) = $1 USD

Success!! The loan was 100% repaid

A loan of $600 helped Lotu to purchase harvesting equipment such as wheelbarrows, shovels, rakes, baskets and knives.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 17, 2010
Jun 27, 2010
Currency Exchange Loss:
Jul 15, 2011