Enerstina is 24 years old and single. She has two children. She owns and operates a small store, selling a variety of items. She has been doing this for five years.
Enerstina needs a loan, which she will use to buy goods to sell at the store, including ice cream, corned beef, biscuits, potatoes, onions, box chicken, mutton flaps, noodles, mosquito coils, cigarettes and toilet rolls. She hopes to use her profits to pay for her children's education. She joined SPBD in 2011, to gain access to capital for her business.
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.