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Business at her restaurant is not going well. Licensed money lenders must adhere to strict accounting rules and any contracts that contain compound interest or interest rates that exceed 12 percent per annum for a secured loan or 18 percent per annum for an unsecured loan are void under law. While one of the main reasons for contracting heavy loans was health-related costs, an increase in food prices means more and more people are relying on predatory loan sharks for basic living expenses. It will, therefore, be a while before it is rolled out on a scale capable of solving Yangon's endemic levels of indebtedness. I love experiments in bed. Now we have an entire group ready to help if we have an emergency, if our child wants to continue education or needs to go to hospital," Win Win Moe explains.

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As many as Few pursue the legal path, concealing their operation under the cover of another business. While the loan may rescue them from an immediate financial emergency, the interest rates - which range from 5 percent daily to 30 percent monthly - trap the borrower in a perpetual cycle of debt. A television used to decorate one corner of the house, balanced on a shelf to avoid the floodwater and sewage that seeped in through the floorboards while seasonal rain thrashed the hand-built structure from above.

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