Pualoa - known as Losi - Ulafala, 39, is married with three children. Her husband works for the government as a public servant. She has 2 years of experience in the groceries business. Losi sells to the village people and general public 7 days per week. She expects her weekly net cash flow to be 450 Tala (~$187 USD). SPBD loans are Losi’s only access to capital because she was never able to qualify for a loan with the traditional banks. Her earnings will be used to improve her business and help out with her family's expenses.
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.