Opetera is forty-nine years old, married, with five children. Her oldest child is twenty-three and her youngest is seven. She owns and operates a small plantation, where she plants and harvests taro for sale. She has one year of experience in this business. Opetera needs a loan of WST $1,000 to purchase weed-killers such as Gramoxome, which will help her crop grow. She plans to use the profit from her business (estimated to be 350 Talas per week) to continue improving her operation.
In 2012, Opetera 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 Opetera's first loan with 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.