Galumulivai is 33 years old and married with five children. She owns and operates a small store, selling items such as cigarettes, soft drinks, snacks, canned food, sugar and flour. She has been doing this for five years. Galumulivai needs a loan to buy more items. She hopes to use her profits to pay for her family's every financial need. She became a member of SPBD 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.