The programme provides loans to establish micro-businesses and promotes saving by the poor (FCOSS, 2010: 1). Another NGO in Fiji, the Foundation for Rural Integrated Enterprises N Development (FRIEND), works towards poverty alleviation through its social and economic empowerment programme. Microcredit systems exist informally in other PICs. The wantok system plays a vital role in entrepreneurial development, especially in PNG (Mannan, 1978).