Patricia is a 35-year-old woman who is married with three children. She runs a business selling Samoan cocoa, and vegetables like cabbage, in her community. She has three years of experience with this business. Patricia has requested a loan of WST2000 to pay her children's school fees. She will also use part of her loan to buy vegetable seeds for her garden. She plans to use her profits to improve her home. She joined SPBD in 2009 to gain access to financial services.
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.