She is a lady of thirty-two years of age, with six children. She used to have great difficulty in meeting her family's needs, particularly the education of her children. When she joined the SPBD microfinance program, she decided to start a small retail store and used a portion of her loan to expand her husband's taro farm. Her little investment proved to be successful. She was able to gradually expand her retail store and her husband's farm was also able to earn additional income, which they used to build a separate shed for her retail shop. She is now very excited to get another loan to expand the inventory of her retail shop. With the two growing businesses she hopes that she will be able to set aside enough savings for her children's education.
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.