Kalameli is 38 years old and married with two children. Kalameli owns and operates a business venture, selling fried foods in the local community. She has four years of experience in this business. Kalameli needs a loan of 2500 Samoa tala (WST) to purchase boxes of chicken leg quarters, sausages, mutton flaps, and plastic plates. She plans to use the profit from her business (estimated to be 250 talas or US $104 per week) to improve/expand the business.
In 2008, Kalameli 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 Kalameli's fourth 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.