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Vaaipu N. is 46 and married with 2 children (ages 15 and 21). She owns a business venture, providing general alteration & tailoring services to local community members. Vaaipu has many years of experience in this business. Vaaipu needs a loan of WST $1250 to purchase additional tailoring equipment such as needles & threads. She plans to use the earnings from her business (estimated to be 360 tala or US $150 per week) to pay for her children's tuition fees.

In 2008, Vaaipu joined SPBD. This is her 2nd loan with SPBD. SPBD's loans are Vaaipu 's only access to capital because she was never able to qualify for a loan with traditional banks.

The following social metrics for Vaaipu N. are provided by SPBD*:
Overall Social Metric Score: 2 out of 3
Level of Education: 2 out of 3
Level of total Household Income: 1.78 out of 3
Quality of Household Assets: 1.88 out of 3

*SPBD measures the living conditions of each of its borrowers to track her loan progress. The overall social metric score, provided by SPBD, is based upon a number of factors, such as the condition of the house/household assets, health, education, income level, and family reputation. A higher number represents a higher score. For example, a ""3 out of 3"" on education would mean that the borrower has graduated from university; a ""2 out of 3"" = secondary/high-school, and a ""1 out of 3"" would mean that the borrower is uneducated.

For more information on this score, please see SPBD's partner page at:

About SPBD
In 2000, Greg Casagrande founded SPBD and since then, it has expanded from the main island of Upolu in Samoa to Savaii, as well as Tonga. SPBD's philosophy of lending is based upon the Grameen Bank lending method.

Please join SPBD's lending team on KIVA to receive on-the-spot updates on SPBD:

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
  • 61
    View loans »
    Samoa Loans Fundraising
  • $8,626,150
    Funds lent in using Kiva
  • 2.5
    Samoa Tala (WST) = $1 USD

Success!! The loan was 100% repaid

A loan of $525 helped Vaaipu to purchase additional tailoring equipment such as needles & threads.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 17, 2009
Jan 15, 2010
Currency Exchange Loss:
Feb 26, 2011