Vaiono is 43 years old and married with four children. She owns and operates a business venture, planting and harvesting ta'amu for sale. She has two years of experience in this business. Vaiono needs a loan of WST 1,000 to purchase weed-killers such as Gramoxome. She plans to use the profit from her sales (estimated to be WST 300 per week) to continue improving her land.
In 2012, Vaiono 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 Vaiono'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.