Ruta is a 20-year-old, married woman, who has one child. She has a small piece of land, and she grows taro and bananas to earn a living. She has been doing this for many years. Ruta has requested a loan to buy tools and farm inputs for growing her crops. She has been a member of SPBD since 2008. With her profits, Ruta hopes to expand her business in the future.
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.