Lotoi is a 48-year-old married woman with three children.
She would like to start growing vegetables to earn a living. Lotoi has requested a loan to purchase a garden hose, a rake, fertilizer and a spade to help her start her vegetable garden.
She has been a member of SPBD since 2012. Lotoi will spend her profits to increase and improve 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.