No option to send money as a personal payment to friends/family

Here is an image I found which shows the problem I am facing: http://s149.photobucket.com/user/ary_lusifer/media/paypal.jpg.html

 

I can only send money as a payment for goods/services. I’m from Singapore, so I don’t think I have a US Paypal account. My Paypal account is currently unverified. What is the reason for the option to send as a personal payment to not be there, and is there a solution?

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