Niulea is 38 years old and married with 8 children. She runs a small business selling bakery foods in her community and has been doing this for many years. Niulea has requested a loan to buy flour, sugar, custard, butter, cooking oil and a frying pan. She joined SPBD in 2011 to gain access to capital. With her earnings,Niulea will use her next loan to expand 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.