Joyita is a 28-year-old married woman with two children. She has a plantation where she grows taro, bananas, and yams to sell in her community or at the market. She has been doing this for three years. Joyita needs a loan to buy another wheelbarrow, a shovel, a rake, several bush knives, weedkiller spray, and more tiapula. She has been a member of SPBD since 2012. Joyita will use the profits from her sales to improve her family's assets.
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.