Tumema is a 40-year-old married woman with two children. She runs a taxi business which has been in operation for two years. Tumema needs a loan to pay for vehicle maintenance such as new tires, oil, gas, and timber for her taxi. She will also use the loan to pay her children's school fees and to purchase iron roofing to renovate her house. She plans to utilize her profits well by reinvesting them in her taxi and using them to improve her family's living standards. In 2012, Tumema joined SPBD 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.