Ofeira is thirty-seven years of age and is married with four children.
Ofeira owns and operates a business venture sewing clothes to sell to her villages . She has one year of experience in this business. Ofeira needs a loan of WST 1,000 to purchase materials , threads and needles. She plans to use the profit from her business (estimated to be 350 talas or US $146 per week) to improve/expand the business.
In 2011, Ofeira 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 Ofeira'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.