Joyce is a 35-year-old woman who is not married and has 6 children. She runs a business selling sugar, flour, noodles etc. in her community; she has 4 years of experience with this business.
Joyce has requested a loan to buy flour, rice, noodles, milk, soap, laundry powder, matches, toilet rolls, sugar and soy sauce. She plans to use her profits to help improve both her family's standard of living and her business.
She has been a member of SPBD since 2010.
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.