Kuini is 25 years of age and married with two children. She owns and operates a business planting and harvesting taro for sale. She has many years of experience in this business. Kuini needs a loan of WST 1000 to purchase weed killers. She plans to use the profit from her business (estimated to be 500 talas or US $208 per week) to improve/expand the business.
In 2011, Kuini 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 Kuini's 1st 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.