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 South Pacific Business Development Foundation |
The Problem
48% of Samoan families live in a state of food deficiency according to a 1999 UNDP study. Most families are already engaged in a variety of micro enterprise activities, however success is elusive without access to affordable capital.
Traditional banks are of little help to the poor since they demand collateral or proof of a steady and sizable income in order to secure a loan. Unsecured lending is generally not available. Pawn shops prey on the poor and charge rates well in excess of 500% p.a. As a result, most poor have no access to affordable credit, and have little opportunity of reaching their potential.
Essentially the problem comes down to: No Jobs + No Access to Credit = No Opportunity
The SPBD Solution
SPBD provides small, unsecured loans to groups of rural women. Women invest their loans into businesses based on their existing livelihood skills.
SPBD's philosophy of lending is based on a respect for each individual's innate human ingenuity, drive and self esteem. It is these qualities which make people credit worthy, not the collateral which traditional banks demand. By providing access to capital, SPBD allows women and their families to pursue their dreams and achieve their full potential.
>> Visit here the website of SPBD
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| KVA Consult |
 CONTRIBUTING TO THE SUCCESS OF PACIFIC GOVERNMENTS AND BUSINESS ENTERPRISES
THROUGH PROVISION OF MULTIDISCIPLINARY EXPERTISE IN STRATEGIC PLANNING AND POLICY FORMULATION BY A SKILLED, EXPERIENCED AND RELIABLE TEAM OF CONSULTANTS, MOST OF WHOM HAVE BEEN FORMER CHIEF EXECUTIVE OFFICERS OR HEADS OF GOVERNMENT DEPARTMENTS AND BUSINESS ENTERPRISES IN THE PACIFIC ISLAND COUNTRIES
>> Visit here the website of KVA Consult
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