Loimata I. is twenty-eight years old and married with three children. She has five years of experience in building thatched roof beach houses (Samoan beach fale). She sells to the public and tourists seven days a week. She has five previous loans with SPBD. She expects her weekly net cash flow to be $73. SPBD loans are Loimata’s only access to capital because she was never able to qualify for a loan with the traditional banks. Part of her loan will be used to pay her children's school fees.
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.