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Veronika is a 28-year-old woman who is married with five children. She has a small plantation and grows taro and bananas to earn a living. She is requesting this loan to help her make improvements to her house, so her family can have better living conditions. Veronika will use the loan to buy cement and iron roofing. She will also use part of her loan to buy barbed wire, a pick axe, a spade, a rake and chemicals and to pay her children's school fees. Veronika joined SPBD in 2011 to gain access to financial services. With the profits from her business, Veronika hopes to satisfy her family's everyday needs and wants.

Additional Information

About SPBD

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.

About Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Samoa

  • $5,200
    Average annual income
  • 88
    View loans »
    Samoa Loans Fundraising
  • $7,709,500
    Funds lent in using Kiva
  • 2.3
    Samoa Tala (WST) = $1 USD

Success!! The loan was 100% repaid

A loan of $825 helped Veronika to buy cement and iron roofing to make improvements to her house and also to buy barbed wire, a pick axe, a spade, a rake and chemicals, and to pay school fees.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 22, 2013
Sep 25, 2013
Currency Exchange Loss:
Sep 22, 2014