Credit Access and Utilization in Agriculture and Aquaculture in the Ayarwady Delta

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September 3, 2016 - Lu Min Lwin and Khun Moe Htun

Lu Min Lwin and Khun Moe Htun, 2016, Credit Access and Utilization in Agriculture and Aquaculture in the Ayarwady Delta, Food Security Policy Myanmar Project Research Highlight 3. East Lansing: Michigan State University

INTRODUCTION
Myanmar has one of the least developed financial systems in the world and poor access to credit is widely believed to be a major constraint to investment and productivity improvements in agriculture. This brief presents analysis of data from the Myanmar Aquaculture-Agriculture Survey (MAAS) on access to and use of credit in agriculture and aquaculture. MAAS was implemented in May 2016, with 1100 households in two “clusters” of village tracts in Ayeyarwaddy and Yangon regions, selected for their high respective concentrations fish farms and paddy farms. Our analysis describes the access to, and conditions and utilization of formal agricultural loans from the Myanmar Agricultural Development Bank (MADB), loans from other sources utilized in agriculture and aquaculture, and community-level data on access to credit used for general purposes.

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