Orepa M., 63, is married with 6 children. She has 1 year of experience with her shop business. She sells to the villagers 7 days per week. She has had 2 previous loans with SPBD. She expects her weekly net cash flow to be 600 Tala (about USD $250). SPBD loans are Orepa’s only access to capital because she does not qualify for a loan with the traditional banks.
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.