Village stores carry a stock of flour, sugar, canned meats, textiles, hardware, soap, kerosene, tobacco, and matches; in the larger towns, these shops are managed by Tongans for European trading firms. Storekeepers act as agents for the Commodities Board and often extend credit to their customers until the end of the harvest. The board's produce division helps market bananas, melons, and pineapples. The development of cooperatives, which serve as savings-and-loan, produce-marketing, and handicraft-manufacturing organizations, has been actively pursued.
Usual banking hours are weekdays from 9:30 AM to 3:30 PM .