Lisa Tila is a married mother of four. She resides in a small Samoan village. She is twenty-seven years old and is following in her elder sister’s footsteps in baking and selling muffins to support her family. Lisa’s husband is unemployed although he sometimes helps her with the muffin-making business. With a loan, she hopes to finance the purchase of bulk supplies to reduce her costs. Lisa works closely with her elder sister, Orepa, on this business. Orepa and Lisa’s ambition is to be able to expand their business to the point of opening up a muffin shop in Samoa’s capital city, Apia.
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.