Fogalele is forty-eight years old and married with five children.
Fogalele owns and operates a business venture, planting and harvesting taro for sale. She has many years of experience in this business. Fogalele needs a loan of WST $1,000 to purchase harvesting equipment such as wheelbarrows, shovels, rakes, baskets, and knives. She plans to use the profit from her business (estimated to be 300 talas or US $125 per week) to improve/expand the business.
In 2012, Fogalele 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 Fogalele'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.