Toi is a 46-year-old married woman with three children. She makes and sells ice-cakes and popcorn in her community to earn a living. She has three years of experience with this business. Toi needs a loan to buy sugar, cordials, Chinese lollies (candy), foam cups, a gas oven, dripping oil and popcorn. She plans to use her profits to maintain her business. Toi became a member of SPBD in 2013.
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.