Osana is forty years old and is married with five children.
Osana owns and operates a business venture, selling fried products to the local community. She has many years of experience in this business.
Osana needs a loan of WST 2,500 to purchase raw ingredients needed, such as flour, sugar, and cordials to make products for sale. She plans to use the profit from her business (estimated to be 300 talas or US $125 per week) to financially support immediate members of her family.
In 2009, Osana joined SPBD to gain access to financial services. Because they lack collateral, most of SPBD's clients are unable to borrow from commercial banks. This is Osana'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.