Taliilagi M., 26, is married and has three children. She has many years of experience in the food market business. She sells to the public five days per week. She has four previous loans with SPBD. She expects her weekly net cash flow to be 550 Tala (about $229 USD). SPBD loans are Taliilagi's only access to capital because she was cannot qualify for a loan with traditional banks. She will use the loan to buy flour, sugar, plastic cups, kool aid, seasonings, oil, and a big frying pan. She will use her earnings to improve her business and to help out with family expenses. Her husband is a taxi driver.
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.