Avefua is forty-eight years old and is married with ten children.
Avefua owns and operates a business venture, selling fried foods in the local community. She has two years of experience in this business. Avefua needs a loan of WST 1,500 to purchase raw ingredients such as flour, sugar and cordials so she can make products to sell. She plans to use the profit from her business (estimated to be WST 350 or US $146 per week) to improve and expand the business.
In 2011, Avefua 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 Avefua's 2nd 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.