Apaua is a 34-year-old married woman with three children. She makes and sells donuts, pork buns, biscuits, and Chinese cake in her community. She has two years of experience with this business. Apaua needs a loan to buy bags of flour, bag of sugar, oil, soy sauce, and onions. She plans to use her profits to improve her business and help her family matters. Apaua has been a member of SPBD since 2012.
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.