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Epenesa M., 54, is married and has six children. She has many years of experience in her shop business, which is open six days per week. She has five previous loans with SPBD. She expects her weekly net cash flow to be 1500 Tala (about $625 USD). SPBD loans are Epenesa's only access to capital because she cannot qualify for a loan with the traditional banks. Epenesa has a very good loan history, she always pays in advance, and she saves every week.

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 $1,125 helped Epenesa purchase a refrigerator and display shelves.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 6, 2009
Dec 1, 2008
Currency Exchange Loss:
Feb 15, 2010