Sala is a 30-year-old woman living in the town of Falealupo Uta. She is married and has 2 school-aged children. To make a living, Sala owns and operates a business venture in the agriculture sector, raising crops. The main source of income for this business comes primarily from planting and harvesting bananas to sell. Sala has been engaged in this business for over 3 years and earns approximately 720 WST a month.
In 2010, Sala joined SPBD to gain access to financial services in order to help improve her living situation and ability to engage in business activities. Sala has successfully repaid a previous loan of 1,000 WST from SPBD. This previous loan was used to purchase general farm supplies and equipment. Sala is now requesting a new loan of 1,000 WST which will be used to purchase sacks of fertilizer and herbicides. Sala plans to use the additional revenue generated from the business to make improvements to her house.
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.