Luaupu is a married thirty-four-year-old mother with eight children. Her oldest child is sixteen years old and her youngest is two years old. She runs a small business, selling baked goods in the local community. She has five years of experience with this venture. Luaupu needs a loan of WST $2,500 to purchase raw ingredients needed to make baked goods for sale. She plans to use the profit from her sales (estimated to be 400 Talas per week) to continue to improve the business.
In 2007, Luaupu 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 Luaupu's fifth 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.