Kaisalina is a 37-year-old married woman with 7 children. She makes and sells ice-cakes (similar to a snow-cone) in her community to earn a living. She has 3 years of experience with this business. Kaisalina needs a loan to buy flavor mixtures, sugar, foam cups, etc. She plans to use her profits to improve her small business and to help her family's financial situation. Kaisalina has been a member of SPBD since 2010.
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.