Toga is 21 years old and married, with one child. She owns and operates a small store, selling different merchandise in her community. She has been doing this for many years.
Toga needs a loan to buy more sacks of flour, sugar and salt, boxes of tin fish, corned beef, and a deep freezer. She hopes to use her profits to for her child's education and to extend her business. She became a member of SPBD in 2011 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.