Toe is a 29-year-old married woman with five children. She makes and sells pork buns in her community to earn a living. She has two years of experience with this business. Toe needs a loan to buy flour, salt, meat and oil. She plans to use her profits to help with her kids' education. Toe has been a member of SPBD since 2012.
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.