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Penina and her husband were unemployed and had depended on their relatives for survival. Their three children went to live with relatives because Penina and her husband had no way of supporting them. Penina lives in a small Samoan village where there are no opportunities for formal employment. Thus, Penina joined SPBD.

She knew that she had to find a way to capitalize on her talents to bring in income for her family. She decided to start a sewing business, and she used an initial loan from SPBD to purchase a sewing machine. Penina’s business is going well and loan funds will allow her to purchase fabrics and needed supplies to ensure that she can meet her customers’ demands for consistent, high-quality product.

Additional Information

About SPBD

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.

About Samoa

  • $5,200
    Average annual income
  • 25
    View loans »
    Samoa Loans Fundraising
  • $8,620,100
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $850 helped Penina purchase fabrics and sewing supplies.
100% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Jun 25, 2007
Jun 11, 2007
Currency Exchange Loss:
Mar 2, 2009