Faalevela Robert, 59, is married with eight children. She has many years of experience in the shop business. She sells to the village people 6 days per week. She has 6 previous loans with SPBD. She expects her weekly net cash flow to be 700 Tala (~$291 USD). SPBD loans are Faalevela's only access to capital because she was never able to qualify for a loan with the traditional banks. She will used her loan to buy goods needed for the shop and also some timber and cement to expand her store. Her husband and the older daughter help her with the 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.