Toai is 32 years old and lives with her partner of three years with three children. She runs a small business selling cabbages, coconuts, cocoa, etc., in her community and has been doing this for two years.
Toai has requested a loan to buy vegetable seeds, a rake, a wheelbarrow, gloves and a garden hose. She joined SPBD in 2013 to gain access to capital. With her earnings, Toai will expand 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.