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In Ma Htee Village
Located in Central Myanmar’s Pale township, this community currently has 39 village customers, including 7 CBO (Community Based Organization) committee members who help to lead the loan program in the area. This village is located in Myanmar's dry zone, where insufficient rainfall is very common. Most villagers are Buddhist and struggle finding access to affordable credit, as the state-owned agricultural bank is not active in the area.

Due to inconsistent weather, villagers must find additional income sources to ensure that they have enough money to support the education and health of their families. Some will therefore migrate to the cities or nearby mines in search of employment. For those who stay in the village, livestock raising is a good opportunity. Small pigs and goats can be purchased for $50 and sold back for $150, generating $100 in profit. Additionally, manure from the animals can be used as natural fertilizer on the villagers' farms.

Pictured above are the committee members from in the Ma Htee Village CBO: U Tin, U Aye, U Thein, U Htay, Daw San, U Phoe, and U Pyay. Included in the photo (second from the right) is 45-year-old U Tin, the father of six children. Two of them are still studying at school. He mainly grows sesame and cotton for his farm and also has a small grocery shop to generate extra income. He bought two small pigs with his previous loan and plans to buy two or three small goats with his new loan.

Additional Information

More information about this loan

This loan will be facilitated through Proximity Designs network of Community Based Organizations (CBOs) in order to support rural farmers in Myanmar’s Delta and Dry Zone regions.  Proximity worked closely with CBOs to provide relief services after Cyclone Nargis and to support village infrastructure projects.
CBOs also play a key role in providing access to microcredit.  In this model, CBO committee members support Proximity loan officers throughout the entire loan cycle. They assist in selecting village borrowers and also act as formal representatives during loan disbursement, collection of repayments and other communications. CBO committee members appear in Kiva profiles – often alongside village borrowers – as representatives of the community.
Since families rely heavily on income from farming to support their livelihoods, these loans are structured with a single bullet repayment at the end of the loan term. The timing aligns with expected harvest season when borrowers will be able to repay. All community members who receive financing through the CBO model must repay their portion of the loan before a village will be eligible to receive new funding. 

About Proximity Designs:

Proximity Designs is a non-profit social enterprise that offers loan products to help small, low income farmers increase their productivity and income. There are around 12 million farmers in Myanmar who make up more than a third of the labor force. The majority of these farmers have virtually no access to formal credit institutions.

In the absence of other financing opportunities, most small farmers in Myanmar are unable to afford the equipment, material, and labor necessary to grow their crops without the help of Proximity Designs. Kiva funding will be used to help Proximity Designs expand its agricultural microfinance operation and reach more low income, rural farmers.


About Myanmar (Burma)

  • Average annual income
  • 24
    View loans »
    Myanmar (Burma) Loans Fundraising
  • $861,025
    Funds lent in using Kiva
  • 973.0
    Myanmar Kyats (MMK) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $7,725 helped In Ma Htee Village to help 39 villagers buy livestock to raise and sell for a profit.
0% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
At end of term
Oct 3, 2014
Aug 20, 2014
Currency Exchange Loss: