30 Enterprise Management transaction. Myint (Basket weaver, Nay Pyi Taw) used her savings from working on the paddy and bean fields, from which she earned MMK 5000-6000/day ($5-$6) to buy bamboo. One ME used money won through an illegal lottery as starting capital. Mya (Fortune teller, Nay Pyi Taw) started her work at the Pagoda after her husband won the illegal 3 digit lottery and rented out a place to stay in the Pagoda. In some instances it was observed that the MEs borrowed money from the banks but that was for agriculture. Zaw (journal seller, Nay Pyi Taw) had an account in the Myanmar Agriculture and Development bank since 3 years and he could avail a loan of MMK 100,000 ($100) on 1 acre of land at 3% interest rate/month every year. A copy of national ID-card and proof of land ownership were mandatory to avail this loan. Myint used her savings to buy raw materials for the baskets As established above, none of the MEs were borrowing any money from the banks for their enterprises. Some of them did not even trust the banks having heard stories about the Yoma bank shutting down because of which a lot of people lost their money. Most of them approached the money lenders, pawn brokers, gold shops, friends, neighbours and family for money. The reasons being proximity, trust and experience of several years. 3.3 INCOME The study focussed on MEs of SEC D and E i.e. income between MMK 100,000-300,000 ($100-$300) and E i.e. MMK 100,000 ($100) and below. Income of MEs depended on various factors such as seasons, festivals, business location, and customer orders and so on. Some of the MEs had multiple sources of income for instance businesses within business and agriculture. Zaw had a bank account in Myanmar Agriculture Developmental bank Seasonality influenced businesses heavily in Myanmar. As an example Nu (Laundry lady, Mandalay) had better business in winters as people did not prefer washing clothes. Aung (Dumpling seller, Yangon) sold dumplings outside schools during lunchtime. His business depended on the school and he complained about it going down in summers as the schools would be shut. Two respondents, Kyi (Gas filler, Mawlamyine) and Moe (Bag and