Kaiva is a 57-year-old woman with five children. She has a small plantation and grows cocoa to earn a living. She has been doing this for many years.
Kaiva has requested a loan to buy fertilizer, a wheel barrow, a bush knife, gloves and shovels. She has been a member of SPBD since 2008. With her profits, Kaiva hopes to improve her business.
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.