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The NLD and USDP discuss the future role of NGOs FIFA launches Asia's first football for health program The pioneer of microfinance in Myanmar Yangon's first animal shelter Life on the other side of the river: Dala township Yangon School for the Blind
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Pact signed a Memorandum of Understanding with the ministries of health and finance and created a partnership with the United Nations Development Program (UNDP) and United Nations Office for Project Services (UNOPS). Fahmid explained that UNDP is invested with a global operational immunity, which enables it to work in any country in the world. The partnership with UNDP was key to Pact being able to provide assistance to Myanmar people. Initially, credit and savings facilities, in addition to group microfinance enterprises were introduced in the central dry zone. Fahmid said that from the outset, Local authorities were very supportive and appreciative of our work. Without gold collateral, moneylenders could charge up to 16 percent interest, which is why people relied on them only in emergency situations, such as a health crisis. The numbers of moneylenders in villages was also low. Nevertheless, many people ended up in a lot of debt, said Fahmid. As an alternative, Pact created a
low interest microfinance program, with an initial interest rate of between 2.5pc and 3pc. Pact continued to grow in Myanmar and within five years it had attracted 200,000 borrowers. Fahmid said, We realised how great the demand was for financial services among the poor and farmers, but after two years [in 2002], we started to realise that microfinance was just one of the many services needed, such as healthcare. Fahmid said Pact strongly believes that income-generating activities require sound health, for farming in particular. This is a logical, though often neglected,
that the international immunity accorded to UNDP is no longer a necessity for Pact and other organisations to operate. The law requires a maximum interest rate of 2pc for microfinance repayments. The interest generated from Pacts 485,000 active borrowers is used for operational and delivery costs and as Fahmid explained, The surplus we have is ploughed back into the programs. We made a conscious decision to be nonprofit, so there is no need to pay dividends to shareholders. However we undertake microfinance services like a professional bank we are a social business so our
can die; crops can fail; a fire can burn down a shop; a storm can ruin a whole plantation. In these sorts of circumstances, Pact provides a lump sum compensation. If an investment is lost, we write it off and provide a new loan. Our clients really appreciate being protected from all sorts of uncertainties; they dont need to be further burdened by debt. It shows we care about them. When Cyclone Nargis struck Myanmar in 2008, 50,000 of Pacts borrowers lost everything they owned. Fahmid said, People were not in a position to repay their loans
You can't expect 100 percent success in business. Cattle can die; crops can fail; a fire can burn down a shop; a storm can ruin a whole plantation. In these sorts of circumstances, Pact provides a lump sum compensation.
aspect of the link between aid and development. In 2004, around the same time that private banking was introduced (though its development was slow to take off) Pact launched a program integrating microfinance and health. It was unique and grew very quickly, he said. In November 2011, the Myanmar Microfinance Institution Law was passed: a development Pact welcomed because it authorises microfinance services, which means operations are highly efficient and professional. Usually, profits would go to shareholders, but as a social business, it goes back to serving more people. And unlike many large microfinance institutions, some of which have attracted controversy for imposing high interest rates that result in people taking out loans from multiple sources to repay the original loan, Pact has created a safety net for its borrowers. Fahmid said, You can't expect 100pc success in business. Cattle because they were surviving on food aid and grants. Pact faced a tremendous cash shortage at the time because we wrote-off loans amounting to $2.75 million. This situation could happen again, which is why we are building a reserve fund with a target of $3 million that can be used for compensation and loan write-offs. Pact suspended its microfinance activities for 10 months post-Nargis and instead provided
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humanitarian assistance, which was coordinated by the UN. Fahmid explained that the decision to suspend microfinance activities was made to uphold Pacts integrity by avoiding any confusion about whether the interest from microfinance loans was going towards aid grants. When The Myanmar Times asked why 97pc of Pacts loan recipients are women, Fahmid replied, This is by design. He said the decision to give preference to female borrowers was based on several months of loan tracking which sometimes involved searching for male borrowers at football matches and the like. We found that women are much more efficient when it comes to family financial management. Women are also a lot more responsible and disciplined with loan repayments. Their priorities are strongly family orientated. Nevertheless Pact offers loans to men if a household has no female members over the age of 18. All borrowers must display a willingness to undertake economic activities. Fahmid believes the number of both local and international NGOs in Myanmar has been increasing since elections were held in 2010. Pacts biggest operational challenges in Myanmar are lack of infrastructure, such as transport, communication services and electricity shortages.
Microfinance borrowers engaged in traditional hat making business in Pindaya township, Southern Shan state. Photo courtesy of pact
However Fahmid said, Its much easier to work in Myanmar than it was 10 years ago. Id like to say how much I appreciate the changes. Nevertheless he said that the amount of NGO activity is certainly not on the same level as Cambodia or Bangladesh, for example.
People are still unsure about the role an NGO can play in Myanmar. Fahmids biggest concern is the many people in remote areas who remain unserved. I hope that in the future, when new INGOs enter Myanmar, they will not prioritise operational ease but the need for assistance, he
said. Pact already has 2200 local staff and plans to open another 30 microfinance branches. It will also increase the number of townships it operates in from 25 to 50 within three years. Fahmid said, Some people might say this is aggressive growth,
but we believe we can achieve it because we have a huge staff base, a lot of local knowledge and the public has strong trust in us. When asked whether the time is right for other INGOS to enter Myanmar, Fahmid said without hesitating, I think they should come immediately.
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after their parents and wives, which is why my sons need to be better educated, Ma Than Than Oo said. The family lives off the money Ma Than Than Oos husband earns from pedalling a trishaw. He gives me K2000 each day because he has to pay the trishaw owner K1000 in rent. Sometimes I only get K1000 we have quarrels on those days. How can I send the children to school with K2000? I ask him, said Ma Than Than Oo. I heard there is an organisation called World Vision that helps children go to school, she added, but said knows nothing further. Ma Than Than Oos family lives
in a small bamboo hut on a narrow lane. The majority of homes in the area are small and built close to each other. Dalas residential areas bear no resemblance to much of the housing across the Hlaing River in downtown Yangon. Ward administrator U Than Oo said, Most people here are poor. Many are unemployed and among the men who do have a job, most drive trishaws or motorcycle taxis, while the women sell firewood and snacks, or carry water from the ponds. U Than Oo added that a large number of Dalas inhabitants are also engaged in menial work in
Yangon. Drinking water is in short supply here. The water is very salty, so the Yangon City Development Committee has been providing some water to residents but its not enough, he said. A solution exists, but regrettably, nothing has been done to make it a reality, said the administrator of Yazar Thingyan ward. There is a water pipeline about 2700 feet away but it doesnt work. If the government repaired it, the water problem in our ward would be solved, he said. U Mya Zin works as a secretary for a religious organisation and she
earns about K5000 a day. She pays tuition fees of K5000 a month for each of her children, but she said that illness often prevents them studying. Diarrhoea is common because of the unclean water. Some NGOs give us some sort of vitamin supplement that we take every six months. But it would be nice to have clean water, U Mya Zin told The Myanmar Times. He said that as an alternative, Dala relies heavily on rainwater. The ward administrator said that the European Commissions humanitarian aid organisation ECHO donated US$16.3 million this year to help local NGOs create more jobs in livestock and agriculture. A French organisation called Aide Medicale Internationale (AMI) has built reservoirs, installed water tanks and provided hand-pumps. However the water remains too salty and the public cant safely consume it. AMI has since moved to Twante township, said the ward administrator. A Japanese NGO provided us with a primary school, but they didnt stay around to help repair it. A lot of NGOs came after Nargis in 2008, but many have since left, said trishaw driver U Mya Zin. The ward administrator said, There are some NGOs doing good work here, but their contribution is like feeding an elephant with a handful of sesame seeds. Translated by Myo Lwin
many families in rural areas, travelling to Yangon for treatment is too costly. There are a lot of untreated cases in the countryside, he said. The clinic is open for two hours a week and to date it has treated about 130 children. Professor Thit Lwin told The Myanmar Times that the number of children undergoing treatment for clubfoot will rise significantly as a result of an agreement signed between Myanmars Ministry of Health and an Australian non-government
organisation called Walk for Life, which was founded by Colin Macfarlane under the Glencoe Foundation. Colin met Professor Thit during an orthopedic conference in Bangladesh in February this year. The two began discussing the idea of forging links between Bangladesh and Myanmar to treat clubfoot by exchanging materials and expertise. Training programs for physiotherapists will begin shortly in Myanmar and clinics will open in government hospitals in areas with relatively high populations.
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The United Kingdoms Department for International Development (DFID) is one of Myanmars largest donors and has pledged to provide the country with more than US$73 million dollars every year until 2015. Aside from an earlymorning newspaper delivery round (a form of child labour that still exists in the UK!), I worked in a wine shop and for Lufthansa German Airlines at London Heathrow, to earn some money for college. Describe yourself in three words. Optimistic. Pessimistic. Confused. What was the last book you read? What was it about? Poor Economics by Abhijit Banerjee and Esther Duflo. A brilliantly readable account of how poor people experience life and make choices. I was afraid it would seem like development voyeurism but its incredibly wellresearched, engaging and therefore non-patronising. If you only read one book on economics and development this should be the one! Does your work involve a lot of travel? Yes, but these days mainly to Nay Pyi Taw a positive sign of the times but I miss seeing the work we do in the country at large. Whats your favourite destination for a holiday and why? I think the beaches in Myanmar are pretty hard to beat. And being English, Im naturally reluctant to praise France in any way, but it is a beautiful country. What is your advice for graduates seeking a successful career in your sector? I hope that Burmese graduates will see a future for themselves in developing their own country. So I would encourage them to study abroad, but to come back and use their learning for the good of their own country which needs them.
left on footpaths to prevent them from going hungry. Many dogs wear collars even if they have no fixed address: they are community dogs which are looked after by shopkeepers and others. However there is nowhere in Yangon for the sick and injured to convalesce. Fortunately, the shelter will be attended by five vets who will treat the animals free of charge. The organisers Terryl Just, Daw Roza Win and Emma Beesley had hoped the shelter would be up and running by late October, but with unforeseen delays in its construction, the date has been pushed back to the end of December. The newly constructed fence isnt high enough to keep the dogs in securely so it will need to be reinforced, the cement floor needs extra layers for durability and the clinic lacks supplies. The walls for the airport hangar style shed, which will have a capacity of about 40 dogs, are not yet built. The shelters location, which is about 24 kilometres from the city centre, adds to the expense of construction because transporting materials takes more than an hour from the downtown area. However finding a property closer was impossibly expensive even with an
OrganisersTerryl Just, Daw Roza Win and Emma Beesley at the site in Pele. Photo Jessica Mudditt
extremely generous donation of US$ 20,000 from a single person. Daw Roza Win donated her own land to the shelter, which allowed the donors funds to go towards its construction. However the site is relatively small for its purpose. It occupies a third of an acre on Aung Thabye Road and is adjacent to an undeveloped plot of land. The shelters organisers are keen to lease the vacant plot so that the dogs will have more room to exercise the trouble is that they havent been able to identify the owner. After Daw Roza Win donated the land, the first step was to build a road to the site, making it accessible during the monsoon season. This was completed in April. The dense bushland was cut back to make way for kennel facilities, secure fencing and a veterinary clinic, which are about a month off from completion. Other funds have been largely raised by wordof-mouth. Parents at the International School Yangon, where Terryl and Roza both teach, donated money for the water tank. The school community has also sold ice-cream. A fundraising dinner is being planned, along with t-shirt sales and a calendar. The calendars pictures will feature Yangons rescued street dogs to show how beautiful they are, Terryl said. More funds are desperately needed particularly for the shelters running costs. Volunteers to walk and feed the dogs will be welcomed. With so many contenders for a shelter, it will only be possible to take in the most extreme cases, Terryl told The Myanmar Times. We will always try to find homes but there is no way we can keep up, she said. If a home hasnt been found by the time a dog has recovered from an injury or illness, it will be returned to where it was picked up, pro-
vided the area is reasonably hazard-free. Each dog that comes through the shelters doors will be vaccinated and sterilised, and a public awareness campaign about the need for these procedures will be a key part of the shelters activities. Terryl said that Yangon Animal Shelter will not welcome the dumping of animals there due to an owners change of heart. While living in Myanmar for the past nine years, Terryl has rescued dozens of sick, injured or just plain lonely dogs from Yangons streets. There is no doubting her commitment to each and every dog she cares for: Terryl once flew a dog to Florida because shed been unable to find it a home in Yangon before she was due to leave for her summer break. She also paid for a street dog to undergo chemotherapy, and described its ultimate passing with evident distress. Terryl currently owns seven dogs, plus two cats she rescued from the streets of Bolivia. On the day of The Myanmar Times' visit to the shelter, Emma Beesley who is giving her time to the shelter during her gap year is preparing to take home the six puppies that have found an uncomfortable refuge underneath a generator near Yangon International School. While some may argue that Myanmar has more immediate priorities to address, Terryl sees no reason to delay alleviating the suffering of stray animals. She pointed out that there are other organisations and monasteries helping people in need and said, This is what we are doing. To adopt one of the 30+ puppies that are in need of a home, or to donate funds or volunteer at Yangon Animal Shelter, contact Terryl Just terryl.rae.just@gmail.com or Daw Roza Win honeymelon17@gmail.com
What made you decide to work in humanitarian aid? Initially youthful idealism! But since then and despite growing older and more sceptical a genuine belief that aid can make a difference and that youre dealing with big, difficult problems that face ordinary people around the world a real privilege. What is the most satisfying aspect of your job? Working for a world-class organisation like DFID (for all its faults!) is very motivating in general, as is meeting people from all walks of life and corners of the globe. But, specifically in my current job, witnessing and in some way contributing to the historic changes in this country is uniquely satisfying. Whats your favourite restaurant in Yangon? The Chinese restaurant 'round the corner from my work (for the prawns); the British Club (for the pies) and the North Korean restaurant Pyong Yang it has a surreal floor show with dancing waitresses. What is the one gadget you cannot live without and why? My kettle. Makes that all-important cup of tea first thing in the morning (and its designed by Porsche). What was your very first job?
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Using the tactile reading and writing system of Braille. Photo KAUNG HTET
thu nge nar nge gyin hme, meaning it was a combination of high fever and measles, he told me wistfully. Shortly after losing his eyesight, his family moved to live nearby his fathers new job at the Sittaung paper mill, which is about 128 kilometres southeast of Yangon. My father died two years after we moved, he said. As his mother was unable to provide for her son, Maung Htwe Paings ailing father had asked the paper mills manager, Daw Yi Yi Wai, to look after his son. The manager kept her promise and sent the sixyear-old to the Saint Mary Missionary School in Yangons Sanchaung township. The school welcomed me very warmly and I felt somewhat at ease. The staff understood how sad I felt
after losing my eyesight, my father and then being separated from my mother. It was tough for me to adjust to everything, but knowing that the other people around me were also blind made me feel a lot more comfortable. A year later, he moved to the Yangon School for the Blind, where he learned to read and write using Braille. He was offered a job at the school after passing ninth grade and for the past 20 years he has worked on the reception desk as a telephone operator. Twice a year, the schools Christian music band travels around Myanmar, both to raise money for the school and to encourage blind people to gain the confidence needed to step outside their homes. The school also aims to dispel the stigma around
blindness. Many parents keep blind children at home, because they are afraid that other people will look down on them. Blind people are sometimes teased, which is very cruel. Its not healthy for blind children to be kept inside. We try to encourage people to send them to schools such as ours so that they will be provided with greater opportunities. Maung Htwe Paing speaks from experience. When I was a child, people used to lie and say there was a ditch in front of my path. Others silently squeezed my ears. Of course I didnt know who they were until they burst out laughing. It made them happy for a few moments, but I guess they were unaware that their actions left me with a sadness that lasted for years.
Maung Htwe Paing recently published a book about his life as a blind person, which was naturally also published in Braille. The 165-page memoir titled Kyai Kwai Pon Yeik Lwan Seit Ma Pyae (A Sad Image of Never-ending Longing) sold out soon after the first print run and begins with a touching scene at his fathers death bed. At the time of his death, Maung Htwe Paing assumed his father was sleeping and asked his mother not to disturb him; he never woke up. These days, Maung Htwe Paing said he often returns to visit his mother in the village he left so many years ago. He also makes regular trips to Yangons downtown area. The citys pavements are improving, he said.
He also appreciates that sloped entrances needed for wheelchairs are becoming more common, because he sympathises with others facing a disability. Maung Htwe Paing said he has a large group of friends at the school and together they have worked through many issues related to their disability. He has attended the weddings of several friends, but told The Myanmar Times that he is in no rush to find a partner. I am still young and Im satisfied with my life as a writer: Its something I want to spend the rest of my life doing. Im not even sure if I will meet the right person, let alone when I will get married. You never know, because after all, love is blind, he said with a wry smile.
Boys hone their skills during one of FIFA's '11 for Health' sessions. Photo FIFA
that as the country opens up after decades of isolation, there is the potential for the public to be exposed to bad health habits, such as using
cars rather than walking, consuming fast food, sugary drinks, as well as drugs and alcohol. Such habits are not very
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transparency of NGOs, she said. U Aung Thaung said that NGOs would have a greater impact on the people who most need assistance if bolstering transparency became a priority. In the past, some international aid groups came into disaster affected areas, but their costs were higher than the aid delivered. I think they are trying to remedy the situation, but some misunderstandings remain, he said. Daw Phyu Phyu Thin said, Aid organisations lack transparency, whether they work for the government or a foreign organisation. Despite information posted on government websites, it is difficult for the public to know exactly
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which group is doing what. There was an appearance of secrecy, and people could associate that with corruption. She also raised the issue of the infighting that sometimes occurs among NGO staff for lucrative placements rather than acting in the countrys best interests. Daw Phyu Phyu Thin said this problem does not arise in developed countries because NGO salaries are similar to many other professions. But the issue is a particular challenge in Myanmar due to high levels of unemployment and NGO wages being higher than the average. Local companies pay less than international NGOs (INGOs), so conflicts arise among staff because they think everyone is after their job. This distracts their attention from serving the public, she said. U Aung Thaung has a different view, saying that problem is not as widespread. Those sorts of attitude used to exist in the past, but are less common now. Most NGO staff are
working for the good of the people and not working for their own ends, he said. Regarding the registration of NGOs and civil society organisations, the representatives views also differed. Daw Phyu Phyu Thin said a law requiring registration is not yet appropriate. However U Aung Thaung believes the absence of a registration law could lead to confusion springing from a lack of clear rules and regulation. Without regulation, some NGOs could do as they please to the disadvantage of locals and their own staff. If a group organises itself, it should be registered with the appropriate ministry and receive a licence and undergo regular scrutiny, he said. Unlike U Aung Thaung, Daw Phyu Phyu Thin strongly objected to a rule that NGOs must be apolitical. She said, Our HIV assistance organisation wasn't permitted to register because we are not apolitical.
However both members agree that the K500,000 annual government registration fee is too high. We are trying to revise the licence fee for registering an NGO because the current fee is too high. The matter is now before the hluttaw, said U Aung Thaung. Daw Phyu Phyu Thin said that further progress in the role NGOs can play is the responsibility of both the government and the people. NGOs have run into trouble because of a lack of transparency in the past. But I think they can do a lot for the development of the country, she said. U Aung Thaung said, The NGO sector is relatively important for the future of the country because NGOs can help to organise unification. Whether local or international, NGOs are welcome if they work for the good of the country and operate legally. There are some black sheep, but they can be dealt with according to the law. Translated by Thiri Min Htun