Samoa SPBD 5
Support Fatima in purchasing rice, papaya, and fish. She sells these products in her local shop to ensure there is enough food available for her community. With the earnings, she wants to buy a piece of land for her taro plantation.
€50,000
5.75%
24 kuud
6 kuud
EUR
ValuutaSumma | €50,000 |
Intressid | 5.75% |
Küpsus | 24 kuud |
Tagasimaksed | 6 kuud |
Valuuta | EUR |
Projekt
Fatima's shop provides food for her village. She offers many local products like rice, papaya, and fresh fish. She's an entrepreneurial woman; besides her shop, she also owns a plantation. With a loan from SPBD Samoa and the income from her shop, she is saving to expand her plantation. She plans to grow taro, which will not only increase her family's income but also contribute to food security and job creation in her community. Your support for Fatima aids her business and strengthens the local ecosystem of food production and distribution.
Through SPBD Samoa, female entrepreneurs like Fatima gain access to group loans. The women meet weekly to save, which strengthens their bond and support within the community. Thanks to your investment, 52 women receive a loan through SPBD Samoa.
What social return could your investment make?
Micro, Small and Medium-sized Enterprises (MSMEs) are critical for economic growth, particularly in countries like Samoa, where 25% of families live below the poverty line of US$2 per day.
Microentrepreneurs and SMEs are often the backbone of local economies, generating employment and fostering innovation. However, their potential remains largely unused due to limited access to funding and business guidance. For women entrepreneurs, the challenges are compounded by gender-related obstacles such as social bias, lack of collateral due to property rights issues, and limited access to financial education.
This is where SPBD Samoa steps in. The financial institution aims to specifically fund and support 52 female-led Micro-entrepreneurs and SMEs through a well-structured loan program. Loans are repayable in 52 weekly instalments, and borrowers also benefit from weekly guidance sessions with SPBD’s field officers, who help refine business strategies and troubleshoot issues in real-time. Your investment in SPBD Samoa is an investment in sustainable community development.
What financial return could your investment generate?
- Annual interest rate of 5,75%
- The maturity of the loan is 24 months
- There will be a repayment of your investment in equal instalments every six months, including the interest
- With an investment of 1.000 euros, your expected repayment would be 1.072 euros
The story of SPBD Samoa
In a region like the South Pacific, where most of the seven million inhabitants live in rural villages and face limited access to traditional banking, the need for financial inclusion is acute. American social entrepreneur Gregory Casagrande founded the South Pacific Business Development (SPBD) in Samoa in 2000 to address this gap. The initiative has since expanded to Fiji, Tonga, Vanuatu, and the Solomon Islands, focusing on poverty alleviation through women-led micro-enterprises.
You can invest in the Samoa and Tonga entities via Lendahand. These entities operate independently.
In Samoa specifically, SPBD has made significant progress. Since its establishment, the organization has disbursed 117,000 loans totaling USD $100 million and achieved financial stability by 2007. SPBD Samoa offers a diverse range of loan types, from microenterprise loans, SME loans to higher education loans, all aimed at empowering women and promoting economic growth.
SPBD Samoa in numbers
- SPBD Microfinance Network consists of 5 individual legal entities, of which SPBD Samoa is one
- Founded in 2000
- 29 employees
- Disbursed 117,000 loans for a total of USD$100 million since its establishment
Ettevõtte nimi | SPBD Samoa |
TEGEVJUHT | Luapene Lefau |
Asutatud | 2010-12-13 |
Asukoht | Apia |
Sektor | Finantsteenused |
Käive | €923,013 |
Töötajad | 29 |
Krediidiskoor | A |
Mõju
Samoal, kus 25% peredest elab vähem kui 2 USA dollariga päevas, on majandusarengu võtmeks väikeste ja keskmise suurusega ettevõtete (VKEd) kasv. Need VKEd on töökohtade loomiseks hädavajalikud, kuid sageli seisavad nad silmitsi takistustega - näiteks piiratud juurdepääs rahastamisele, puudulikud ettevõtlusalased juhised ning naisettevõtjate puhul takistavad nende kasvu ja juurdepääsu ressurssidele ka täiendavad sooga seotud probleemid, nagu ühiskondlikud eelarvamused.
Nende probleemidega tegelemiseks pakub SPBD Samoa struktureeritud laenuprogrammi, et anda naiste juhitud VKEdele rohkem võimalusi. Need laenud, mis makstakse tagasi 52 iganädalase osamaksena, on varustatud SPBD kohapealsete ametnike praktilise juhendamisega, kes abistavad ettevõtlusstrateegia väljatöötamisel. Lisaks pakub SPBD alternatiivi traditsioonilistele kommertspankadele, keskendudes majanduskasvu edendamisele Vaikse ookeani lõunaosas. Investeerides SPBD Samoa, tõstate te lugematute samoalaste naiste majanduslikku potentsiaali.
SKT mõjutatud
Selle projektiga annate te oma panuse järgmistesse SKT:
SKT 1 - No Poverty
SKT 5 - Sooline võrdõiguslikkus
SKT 8 - inimväärne töö ja majanduskasv
Loe lähemalt mõju kohta, mida saad meie platvormi ja SKT kaudu avaldada, meie mõju leheküljelt.
Seotud blogipostitused
Loe SPBD Groupi kui uue investeerimisvõimaluse tutvustamist siit.
Tahad rohkem teada, kuidas finantskaasamine võib ettevõtlust edendada? Loe siit.
Vaadake seda blogipostitust, et saada ülevaade vaesusest ja raskustest, millega seisavad silmitsi need, kes ei saa juurdepääsu põhilistele elatusvahenditele.
- Selle investeeringuga parandatakse 52 elu