Uini F., 35, married with three children, has many years of experience in the taro and banana plantation business, selling to the village people and general public three days per week. Her weekly net cash flow is about 350 Tala ($145). She has had one previous loan from SPBD, Uini’s only access to capital because she has never qualified for a loan from the traditional banks. Her loan will be used to improve both her business and home and pay for her children’s school fees.
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.