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Epifania is 26 years old and married with six children. She runs a small business selling donuts, sausage roll and buns in her community and has been doing this for one year. Epifania has requested a loan to buy new supplies such as flour and sugar for her bakery. She joined SPBD in 2012 to gain access to capital. With her earnings, Epifania will expand the business.

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
  • 32
    View loans »
    Samoa Loans Fundraising
  • $8,468,125
    Funds lent in using Kiva
  • 2.3
    Samoa Tala (WST) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Epifania to buy ingredients for making baked goods.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
May 3, 2012
May 15, 2012
Currency Exchange Loss:
May 20, 2013