Monika is 34 years old and the mother of six children. Monika’s husband has a steady income from his job as a night watchman in a local hotel, however, Monika felt she should share equally in the financial management of their large family and subsequently joined SPBD; she now runs a small taro and fruit plantation and sells her products at a small stand to local villagers. Monika dreams of being able to save enough to build a proper house for her children and admits to being ashamed of her small, open Samoan house. Monika readily praises the financial support she received from the micro-loan programs and believes with further reinvestment in her business and hard work, she can reach her dreams. In the meantime, she will use part of her requested loan funds to make some much-needed repairs to the roof of her home.
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.