Penina is a thirty-one-year-old married woman with two children. She has a small plantation and grows bananas to earn a living. She has been doing this for two years. Penina has requested a loan to purchase a knife, a wheelbarrow and chemicals.
She has been a member of SPBD since 2010. With her profits, Penina hopes to help her family for immediate events as well as provide for her children's education.
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.