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Sina U. is a 47-year-old woman living in the town of Satui Fasitoo 2. She is married and has eight school-aged children. To make a living, Sina operates a family member's business selling baked goods in the local community. Sina has been engaged in this business for over four and earns approximately 400 WST a month from these activities.

Sina joined SPBD to gain access to financial services to help improve her living situation and ability to engage in business activities. Sina has successfully repaid a previous loan of 1250 WST from SPBD. This previous loan was used to purchase raw ingredients needed to make products for sale. Sina is now requesting a new loan of 2000 WST, which also will be used to purchase raw ingredients needed to make products for sale. The loan will be the third loan taken out by Sina from SPBD. Sina plans to use the additional revenue generated from the business to improve/expand her business.

About SPBD:
SPBD's mission is to improve the quality of life of people living in poverty in the poor island nations of the South Pacific. SPBD's philosophy of lending is based on a respect for each individual's innate human ingenuity, drive and self esteem.

*Note: To maximize efficiency and reduce costs, this loan was posted using a template to automate the translation by Kiva. Given that manual translation of entrepreneur profiles is costly, Kiva created this template for our Field Partner to allow them to continue to post loans in English while providing quality and accurate information to Kiva lenders.

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
  • 28
    View loans »
    Samoa Loans Fundraising
  • $8,468,125
    Funds lent in using Kiva
  • 2.6
    Samoa Tala (WST) = $1 USD

Success!! The loan was 100% repaid

A loan of $775 helped Sina to purchase raw ingredients.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 18, 2009
Oct 3, 2009
Currency Exchange Loss:
Oct 15, 2010