Constructing a Client Recruitment System for Rural Myanmar Unbanked People to Access PACT Microfinance Institution

Hnin Pwint Aye, Yoshiteru Nakamori


When traditional financial institutions fail to provide financial services to the poor, microfinance fills this gap and helps poverty reduction by supporting self employment.  Microfinance institutions provide loans to the poor, unbanked people, without collateral using group based lending methods as social collateral and strict rules and regulations. When these rules and regulations are discrepant with the situations of the rural Myanmar unbanked people, 50% of them could not obtain the loans. This research finds the discrepancies of the rural Myanmar unbanked people with current operational procedures (COP) of Private Agency Collaboration Together (PACT), explores the idea to solve the above discrepancies and draw a system that can help rural Myanmar unbanked people to access PACT MFI. This client recruitment system includes four sub systems entitled, inquisition, adjustment, knowledge contribution and impact assessment system. These systems support not only improving the lives of the rural Myanmar unbanked people by accessing PACT but also the rural development and poverty alleviation action plan.


microfinance program, poverty, unbanked people, legal rules and regulations, operational procedures, client recruitment system

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