Vailaau, 19, is married and has three children. She wasn’t able to finish school and was unable to find a job. She has attended some Women’s Committee seminars in her local village where local women teach other women how to sew, weave, design and make traditional Samoan crafts in order to allow a woman a means of supporting herself. This is where Vailaau learned how to make the crafts that she now makes and is able to sell to bring in some income. She has been using micro-loan facilities from SPBD in order to purchase raw materials for her crafts, which she re-sells at flea markets to locals and tourists. Now having repaid in full four previous business loans, Vailaau is eligible for a home improvement and education loan. She will use this loan to repair the damaged roof of her house, and to pay for her children’s school fees and uniforms. Vailaau is confident that she can repay this loan (as she has all others) with the income from her crafts business.
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.