Joyita is 56 years old and married with 10 children. She owns and operates a small store, selling items such as snacks, soft drinks, chicken boxes and others. She has been doing this for five years.
Joyita needs a loan to buy good and products for her store. She hopes to use her profits to build her a new house and expand her shop. She became a member of SPBD in 2012 to gain access to capital for her business.
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.