Recently married without children Christina’s husband doesn’t work. They live with her husband’s extended family, a normal practice in Samoa. Christina believes in independence and wanted to set up a business to provide a good future for her husband and her self. With no children she wanted to start saving and building a good stable home before children arrive into the picture. So she joined the programme in 2003. Her first loan was used to start a small grocery store, which was operated from at home. The only grocery shop in her neighborhood Christina was able to use the following loans to build a permanent place for the shop in front of their home. Being the sole breadwinner of the family, she carefully budgets her earnings to sustain her family needs and set aside some cash for savings and loan payment. It is quite difficult for her to support an extended family but expanding her grocery will help ease her burden. Christina hopes to use her loan to improve her small grocery store and purchase more stocks.
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.