A loan of $425 helped to purchase flour, plastic bags, cooking oil, and a frying pan.


Jacinta's story

Jacinta is 25 years of age and married, with three children. Jacinta owns and operates a business venture, selling porkbun. She has two years of experience in this business. Jacinta needs a loan of WST 1000 to purchase flour, plastic bags, cooking oil, and a frying pan. She plans to use the profits from her business (estimated to be 200 talas or US $83 per week) to improve and expand the business. In 2011, Jacinta joined SPBD to gain access to financial services. Most of SPBD's clients are unable to borrow from commercial banks, because they lack collateral. This is Jacinta's first loan with SPBD. *SPBD evaluates the living conditions of each of its borrowers. Generally, a loan manager evaluates a variety of social metrics on a scale out of 3 (the higher the number, the better off the person is) and these are averaged for the "overall social metric score." For example, a 3 out of 3 on "level of education" would mean that the borrower has graduated from university. About SPBD: In 2000, Greg Casagrande founded SPBD 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. Please join SPBD's lending team on Kiva to receive on-the-spot updates on SPBD.



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