Toaiva is 43 years old and married with 3 children. She runs a small business selling breads, donuts, coconuts, biscuits, etc. in her community and has been doing this for 1 year. Toaiva has requested a loan to purchase flour, cooking oil, sugar, yeast, and a frying pan. She joined SPBD in 2012 to gain access to capital. With her earnings, Toaiva plans to increase her bakery and improve quality the best she can.
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.