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Epenesa is 60 years old and is married with four children. Epenesa owns and operates a business selling baked goods in the local community. She has two years of experience in this business. Epenesa needs a loan of 1,500 WST to purchase new equipment and tools to expand the business. She plans to use the profit from her business (estimated to be $125 per week) to improve and expand the business.

In 2010, Epenesa 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 Epenesa's second loan with 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
  • 31
    View loans »
    Samoa Loans Fundraising
  • $8,168,975
    Funds lent in using Kiva
  • 2.4
    Samoa Tala (WST) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Epenesa to purchase new equipment and tools to expand her business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 30, 2011
Dec 15, 2011
Currency Exchange Loss:
Dec 18, 2012