Pamata is 29 years of age and married with 2 children.
Pamata owns and operates a business venture, planting and harvesting fruits and vegetables to sell. She has two years of experience in this business. Pamata needs a loan of WST $1500 to purchase harvesting equipment such as wheelbarrows, shovels, rakes, baskets, and knives. She plans to use her profits (estimated to be 250 talas or US $104 per week) to improve and expand the business.
In 2010, Pamata 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 Pamata'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.