Ruta is 18 years old and married with no children. She has a small garden where she grows taro, taamu, and vegetables that she can sell in her community or at the market. She has been doing this for two years. Ruta needs a loan to buy chemicals, a rake, a knife, and other equipment for the plantation. She has been a member of SPBD since 2012. Ruta will use the profits from her sales to improve her business and to rebuild her house.
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.