Emi T. is a 55-year-old woman living in the town of Vaimoso Jr. She is married and has twelve adult children.
Emi owns and operates a business planting and harvesting fruits and vegetables for sale. She has been engaged in this business for over a year and earns approximately 550 WST a month.
In 2008, Emi joined SPBD to gain access to financial services to help improve her living situation and her ability to engage in business activities. She has successfully repaid a previous loan of 750 WST from SPBD. This previous loan was used to purchase additional seeds, seedlings and young crops to raise.
Emi is now requesting a new loan of 1,750 WST which will again be used to purchase additional seeds, seedlings and young crops to raise. The loan will be her 2nd from SPBD. Emi plans to use the additional revenue generated from the business to improve the general living conditions of her family.
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.
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.