An international NGO, Pact has been active in Myanmar since 1997, focusing primarily on healthcare, livelihoods, and community development and working in more than 11,000 villages. In 2012, after Myanmar passed its first law addressing microfinance, Pact formed Pact Global Microfinance for the purpose of expand its services. As of 2015, Pact Global Microfinance serves more than 500,000 borrowers – 99% of them women – throughout Myanmar, through a number of vehicles. For example, Pact’s Myanmar Access to Rural Credit (MARC) program works with nine microfinance institutions to make about 27,000 agricultural loans and nearly 18,000 additional loans specifically targeted to women to let them expand non-agricultural activities or start new enterprises. It covers about 900 villages in the Delta and Dry Zone regions. In addition, through a set of microfinance initiatives, supported by Chevron, Coca-Cola, and USAID, PACT implements a model for savings-led finance that helps women build transparent savings and credit groups and also provides training in financial literacy skills and entrepreneurship, with an emphasis on microenterprises. The approach targets communities with links to markets, including in border areas.