Adelaide is 22 years of age and married with one child. She is starting a business venture planting and harvesting bananas for sale. Adelaide needs a loan of WST $1000 to purchase general farm supplies and equipment such as a wheel-barrow, knives, spade, and shovel. She plans to use the profit from her business (estimated to be 150 talas or US $63 per week) to supplement her family's income.
In 2011, Adelaide joined SPBD to gain access to financial services. Most of SPBD's clients are unable to borrow from commercial banks, because they lack collateral. This is Adelaide's first loan with 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.