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Tinoai Sefo
Tinoai is one of the eldest mothers within the loan program, but she is still active in doing her business. This is her fifth loan, and she is using this loan to improve her flower garden in her front yard. Tinoai likes flowers, and this is why she has decided to use this loan on her flower garden. Not only she is talented in planting flowers, she is also good at weaving fine mats. These fine mats are much needed by families during special events such as funerals, weddings and birthdays. These are her two major skills, and she is doing both activities at the same time. Tinoai is one of the supportive members of the center, and she is doing well with her business as well as the payments.

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
  • 30
    View loans »
    Samoa Loans Fundraising
  • $8,468,125
    Funds lent in using Kiva
  • 2.7
    Samoa Tala (WST) = $1 USD

Success!! The loan was 100% repaid

A loan of $475 helped Tinoai Sefo to buy pots, fertilizers, tools, and equipment for her flower garden.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jan 2, 2008
Dec 19, 2007
Currency Exchange Loss:
Aug 15, 2009