Toetu is a 32-year-old married woman with two children. She has a small plantation and grows ava samoa (Kava) to earn a living. She has been doing this for two years. Toetu has requested a loan to buy chemicals, crops, and two wheelbarrows. She has been a member of SPBD since 2012. With her profits, Toetu hopes to pay for her children's school fees.
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.