Tuleigalii is a married thirty-two-year-old mother of three children. She has a small business selling lavalavas (print fabrics that wrap around the bottom-half and are worn by both men and women). She has three years of experience with this business. Tuleigalii needs a loan of WST $2,450 to purchase additional fabrics and materials. She plans to use the profit from her sales (estimated to be 450 Talas per week) to pay her children's tuition fees.
In 2009, Tuleigalii 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 Tuleigalii's third 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.