A. Vili, 39, is married with one child. She has one year of experience in the plantation business. She sells to the general public and villagers five days per week. This is her first loan with Kiva's partner SPBD. She expects her weekly net cash flow to be 350 Tala (about $145). SPBD loans are A.’s only access to capital because she was never able to qualify for a loan with the traditional banks.
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.