Aniva T., 44, is divorced with 7 children. She has many years of experience in the taro plantation business as well as making and selling ice cakes. She sells to the general public and villagers 5 days per week. She has 2 previous loans with SPBD. She expects her weekly net cash flow to be 480 Tala (~200 USD). SPBD loans are Aniva's only access to capital because she was never able to qualify for a loan with the traditional banks. Aniva's business is the main source of income in their family. She divorced from her husband 3 years ago and is supporting her children alone with help from her relatives sometimes.
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.