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We’re celebrating 10 years of the Good Return loan program

The curse of poverty is not just scarcity. It is uncertainty– from a failed crop, diseased livestock, drought, flood, or illness. Our programs ensure that people have access to responsible microfinance, to tide them over through hard times, and help them flourish in the good. Whether our loans are for their business, to repair a roof or to cover household emergencies, they help people build family assets for the future.

We encourage you to donate your loans. Once repaid, the money is re-invested into our responsible microfinance and skills development programs. This helps us support the loans with financial education to make sure that our borrowers know how to manage debt and make the most of their money.


Meet Ruth, she is seeking a loan to grow her business

Fifty-seven-year-old Ruth Tolentini is the ultimate female entrepreneur. Raising five children challenges the determined mother to earn outside of her husband’s labouring income and so she tirelessly operates her own fruit kiosk.

At its current size the kiosk earns just enough to feed the family and provide necessities, but Ruth wants to expand to new opportunities.

This micro-finance opportunity would provide her with additional capital to increase the level and quality of stock and deliver new outreach to potential customers – a difficult task in a rural Filipino market. Ultimately, Ruth hopes growing her business will create a greater level of wellbeing for her children and create much needed financial security for the family. 

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What a loan means to an entrepreneur:

We've helped over 2 million people, including providing microfinance to over 10,000 entrepreneurs.
One of those entrepreneurs was Vitiana.


Vitiana Tubuka is a busy mother of six children between the ages of 4 and 25, as well as being a grandmother.

On top of that, she has been the Centre Chief (elected leader) of her SPBD Fiji chapter (Good Return’s Fijian partner) for the past three years. Vitiana is currently on her fourth Good Return microloan, and these loans have transformed not only her life, but the life of her family too.

Before starting her micro business, Vitana stayed at home and the family struggled to survive on her husband’s income alone. Especially as their youngest daughter suffers from a disability she was born with, which leaves her unable to talk, walk or even sit up on her own. Vitiana’s first attempt into business was selling the popular local Fijian drink called kava. However, selling kava was not very profitable and Vitiana’s husband consumed much of the inventory himself. With the help of a second loan and with the support of her husband she was able to set up a successful canteen business.

Since that second loan, Vitiana has gone from strength to strength, even starting two more businesses!.

“I have been sharing with the centre that if

you run your business well, it is a great help

for your family. Now with my fourth loan,

I started another two businesses – drying

copra [coconut skin] and also selling fuel for

boats, brush cutters and generators.”

- Vitiana Tubuka, Fiji

The impact that these loans have had on Vitiana’s family has been life-changing. Vitiana has been able to send her son to medical school in Suva, while also being able to afford to purchase her younger children shoes and school uniforms. She has even been able to send her children on school sports trips to the main town.

Vitiana now has big aspirations for the future. She hopes to be able to buy a solar panel for her house and maybe even a backup generator, so that her family can have access to electricity 24/7. Without access to these microloans, Vitiana would not have been able to establish the successful business that has boosted her confidence, skills and provided a livelihood for her family.