World Food Programme

Savings Mobilization in Myanmar: Opportunities and Challenges

  • March 05, 2018

  • Publications, guides and communication materials


MicroLead Expansion in Myanmar is a 4-year (2014–2017), US$7-million programme funded by Livelihoods and Food Security Trust Fund. MicroLead supports two southern microfinance market leaders to greenfield in Myanmar, and works with a regional association of credit unions to create new rural saving and credit cooperatives. This paper is one in a series of financial inclusion knowledge products written by UNCDF, and it sits within the scope of UNCDF MicroLead Expansion programme in Myanmar. This series is written to inform the reader on the financial behaviour and preferences of low-income people, development of financial products, management of financial services and greenfield operations of FSPs in Myanmar.

This paper focuses on the opportunities and challenges of mobilizing savings deposits in Myanmar. The purpose of the paper is to answer the following questions: 1) Which FSPs mobilize the highest volume of savings and why? 2) What are the inhibitors of mobilizing savings in Myanmar? and 3) In particular, what are the implications of the 15-percent regulated floor on deposits for microfinance institutions?

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