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Myay Ma Hla Village
Located in Central Myanmar’s Yasagyo township, this community currently has 28 village customers, including 6 CBO (Community Based Organization) committee members who help to lead the loan program in the area. In this village, people are friendly and hospitable to everyone although they are struggling with their daily life. They are always enthusiastic to improve their living standards by finding ways to figure out business problems. That said, 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.

The new loan will help this village purchase a tractor that will help with the planting and harvesting of crops such as sesame and beans. Nowadays, villagers are struggling to pay to lease a tractor from a neighboring village. It costs each farmer about $10 per day, not including the diesel fees that they must pay to operate the tractor. One gallon of diesel is $5. During harvest, villagers have to pay even more than $10 per day because of the spike in demand. In addition to farming, villagers cultivate Thanatkhar trees, which is used as a traditional beauty product by Burmese women, and raise livestock. They also have a long-term plan to cultivate limonia trees for timber and sap.

Pictured above are the committee members from the village CBO: U Win, U Aung, U Kyaw, U Sein , U Kyi, and U Yin. Included in the photo (third from the right) is U Sein, the father of two children. As there is only a primary school in the village, his children have to go to secondary school in a nearby village. He needs additional capital to purchase farming inputs so that his crop income can support his children's education expenses.

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)

  • $1,700
    Average annual income
  • 2
    View loans »
    Myanmar (Burma) Loans Fundraising
  • $1,170,950
    Funds lent in using Kiva
  • 968.0
    Myanmar Kyats (MMK) = $1 USD

Success!! The loan was 100% repaid

A loan of $5,325 helped Myay Ma Hla Village will help 28 villagers purchase a tractor so that they do not have to lease from a nearby village.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
At end of term
Sep 29, 2014
Aug 21, 2014
Currency Exchange Loss:
Feb 17, 2015