Tofaga is a 35-year-old woman who is married with seven children. She runs a small plantation growing crops to earn for a living. She has two years of experience in farming. Tofaga has requested a loan to buy weed spray, fertilizers, chemical, fence material and spades. She plans to use her profits to help her business and also her children's education. She joined SPBD in 2012 to gain access to financial services.
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.