Lotu is 49 years old, married, and has four children. She runs a small business, selling pancakes in her community, as she has been doing for five years. Lotu has applied for a loan to buy flour, sugar and baking powder. She joined SPBD to gain access to capital. With her earnings, Lotu will pay for her children’s education.
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.