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Ihana A., 51, is married and has five children. She has many years of experience growing vegetables. She sells fruits and vegetables four days per week. She has two previous loans with SPBD. She expects her weekly net cash flow to be 440 Tala (about $183 USD). SPBD loans are Ihana's only access to capital because she cannot qualify for a loan with traditional banks. She will use part of her loan to pay her son's school fees. Ihana has been selling pancakes for the past two years, but due to the cost of living in Samoa, she realized that her pancake business was not making much, so she is now concentrating on her vegetable garden.

Additional Information

About SPBD

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.

About Samoa

  • $5,200
    Average annual income
  • 13
    View loans »
    Samoa Loans Fundraising
  • $7,960,550
    Funds lent in using Kiva
  • 2.7
    Samoa Tala (WST) = $1 USD

Success!! The loan was 100% repaid

A loan of $475 helped Ihana to buy fertilizer, vegetable seeds, gardening tools, a wheelbarrow, gloves.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 31, 2008
Dec 1, 2008
Currency Exchange Loss:
Jan 15, 2010