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Lama S. is 45 years old and has seven children to support. She rents beach fales (small open huts on the beach) to tourists. Back-packers or passers-by will use the fales to picnic or to spend the night. The fales are located on a white sandy beach on Samoa’s coastline. Lama can earn up to ST 300 (USD 120) per week. She is very proud of the hospitality she can show the tourists and is grateful for their words of encouragement. Currently she has ten fales, and she would use loan funds to begin building another as well as to make repairs on the existing structures.

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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Samoa

  • $5,200
    Average annual income
  • 35
    View loans »
    Samoa Loans Fundraising
  • $7,794,375
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $850 helped Lama build additional fales (huts).
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
May 1, 2007
Apr 16, 2007
Currency Exchange Loss:
May 2, 2008