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Chaung Son (West) Village
This community is located in West Chaung Sone Village in Central Myanmar’s Thaung Thar township. There are 93 village customers, five of whom are Community Based Organization members who oversee the loan program. This village is located in one of Myanmar's dry zones where insufficient rainfall is common. Most villagers are Buddhist and struggle finding access to affordable credit, as the state-owned agricultural bank is not active in the area.

Most farmers in this village grow beans, sesame, and groundnuts. This new loan would help village members purchase fertilizer and pesticides, investments that would improve crop yields and therefore crop sales. This additional income will help villagers buy the diesel required to fuel their water pumps, which pump water to people's homes and fields. Because drought it common in Myanmar's dry zones, the ability to pump water is very important. Currently, villagers are struggling to buy five gallons of diesel, which costs $25, to run the water pump every day.

Picture above are U San, U Latt, U Tin, U San, and U Myint, the committee members from West Chaung Sone Village CBO. Included in the photo (farthest to the left) is 49 year-old U Myint, the father of five children. His main business is cultivating crops such as peanuts, groundnuts and sesame. He also sells palm sugar generated from his toddy-palms plants. Last year, he used his loan to buy peanut seeds for his farm. This year, he plans to buy fertilizer to enrich his soil.

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
  • 4
    View loans »
    Myanmar (Burma) Loans Fundraising
  • $1,554,600
    Funds lent in using Kiva
  • 975.0
    Myanmar Kyats (MMK) = $1 USD

Success!! The loan was 100% repaid

A loan of $18,325 helped Chaung Son (West) Village to help 93 villagers buy fertilizer and pesticides to enrich and protect their crops.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
At end of term
Sep 30, 2014
Jul 31, 2014
Currency Exchange Loss:
Feb 17, 2015