New Year Message from CEO to Clients and Stakeholder 2026

Jan 15 2026

Dear esteemed clients and valued partners,

As we are welcomed by the new year 2026, I would like to deliver my sincere gratitude and genuine appreciation for your continued trust, partnership and support. We owe much of our progress to your trust and partnership.
Despite challenges, our shared commitment and collaboration have allowed us to move forward with confidence. Through these challenges, our clients’ confidence in our organization enabled us to continue serving our clients effectively and efficiently. And close collaboration of our partners so did our partnership strengthening for powerful relationships.

In the year ahead, we remain dedicated to heightening our partnership, enhancing service quality, and creating long-term value for all our stakeholders with esteemed clients and valued partners. We look forward to exploring new opportunities and achieving further success together.

Having taken stock of past successes and current challenges, we have recalibrated our strategic goals. As such, MIFIDA put forward initiatives for stable growth and value; not only in response to changing needs, but also to nourishing the contribution as an active agent to drive the achievements we seek. The key enabler of our vision – “Extension financial inclusion across Myanmar” will facilitate our collective effort, which is to be executed in concert with our stakeholders.
Meaningful engagement will continue to stand central in our endeavours. I thank all our stakeholders, who continue to engage with us constructively on key matters that impact on our work and the microfinance sector, at large.

Wishing you a year as wonderful as your supports have been.
The gift of love, the gift of peace, and the gift of happiness; may all these by yours, this year 2026.

Sincerely,
Michel Iiams
CEO
Microfinance Delta International Company Limited (MIFIDA)

CEO Speech for 10th Anniversary Celebration of MIFIDA

Ladies and Gentlemen, Distinguished Guests, Dear Colleagues,

Minglabar!

It is a true honor to welcome you all today as we celebrate the 10th Anniversary of MIFIDA. This milestone is not only about marking ten years — it is about celebrating the journey we have made together.

Today, as MIFIDA stands at this remarkable milestone, I am proud to say that we have improved the lives of thousands of Myanmar families. Through our microfinance activity, we have helped small and medium businesses to flourish, children to continue their education, and communities to gain confidence in their future. Along the way, we have faced challenges — economic changes, social uncertainties, global and local crises. But with the dedication of our outstanding employees, the trust of our valuable clients, the support of our partners, and the strong commitment of our shareholders and board members. To each and every one of you, I extend my deepest gratitude.

Mifida’s achievements are the collective success of everyone in this room and beyond. As we enter our second decade, our dream is even greater. We envision that “Creating a world where everyone can determine their future” is not only a wish but a reality for all of our clients. We will continue our mission of “Extending financial inclusion across Myanmar” by strengthening our partnerships, deepening our outreach, optimizing our services and creating new opportunities for those who need them most. With unity, consistency, and commitment, I believe that MIFIDA can have an even greater impact. Of course MIFIDA will still be driven by the 5 values that guide our decisions and day-to-day work, which are: – (1) Empathy (2) Integrity (3) Courtesy (4) Wisdom and (5) Trust.

On behalf of MIFIDA, I thank you all for being part of this remarkable journey. Together, we celebrate the past — and together, we will shape the future.

Kyay zoo tin par tal. (Thank you)

New Year’s Message from CEO to Employees 2025

Dear colleagues of MIFIDA,

As we close another year, I want to thank each of you for your hard work, resilience, and commitment. Together, we’ve accomplished many obstacles and difficulities. I’m excited about the journey ahead and know that 2025 will bring even greater opportunities for us. Let’s keep pushing forward with the same spirit!  

I would like to recognize the exceptional contributions of MIFIDA’s operation team and finance team altogether with the rest departments’ extraordinary performances. Your hard work and dedication inspire all of us and remind us of the strength we have when we work together. Thank you for going the extra mile!  

Welcome to our newest team members! We’re thrilled to have you join MIFIDA on this journey. Each of you brings unique skills and perspectives that will help us reach new heights. Let’s make this next chapter our best as far as we could! 

I want to acknowledge that there will be challenges we’re going to face. These will be difficult times, but I am confident that our team’s resilience will see us through. Let’s continue to support one another and work together to overcome these challenges! 

May 2025 be the year you achieve all your goals.
 

On a personal note, let me wish you and your families the very best for 2025!
 

Sincerely,
Michel Iams
CEO

New Year’s Message from CEO to Employees

Dear colleagues of MIFIDA,

As we embark on 2024, I want to take a moment to express my deepest gratitude to each of you. Your dedication and hard work have been the driving forces behind all our past achievements.  
In 2024, we will see us continue to work together to ensure that we are providing all our clients with highest-quality services. 
Because we strongly focus on our clients by following the five values of MIFIDA (Empathy, Integrity, Courtesy, Wisdom, Trust), we know we are already on the right path to higher performances.
I am thrilled to have crossed over 2023 with you and I look forward to thriving with you in 2024.
Happy New Year everyone!

Sincerely,
Michel Iams
CEO

Best Recovery Officer Information

🎊🎉👏Congratulations! 🎉👏🎉

We are proud to announce Ma Thae Su Naing (Hpa-An branch) as the Best Recovery Officer for the Month…🎊👏🎊

Ma Thae Su Naing’s hard work and dedication towards her work are the inspiration for other employees, and represents good image of MIFIDA…👏

MIFIDA wishes and congratulates her that she can always maintain her excellence and reach her dream goal as soon as she can achieve much more success…….🎊🎉🎉

MIFIDA wishes and congratulates her that she can always maintain her excellence and reach her dream goal as soon as she can achieve much more success. 🎊🎉🎉

🎉🎊 👏Congratulations! 💐🎉👏

We are proud to announce that Ma Nyein Nyein Ei (Recovery Officer) from Myitkyina branch, has been selected as the Best Recovery Officer of the Month for February 2024 for her outstanding performance in recovery. 👏

MIFIDA appreciates her excellence as her hard work and positive attitude which inspired for other employees and provide excellent service to clients, bringing MIFIDA’s service reputation.

MIFIDA wishes and congratulates her that she can always maintain her excellence and reach her dream goal as soon as she can achieve much more success. 🎊🎉🎉

🎊🎉👏Congratulations! 🎉👏🎉

We are proud to announce that Ma Shwe Yee Win (Recovery Officer) from Aungpan Branch has been selected as the Best Recovery Officer of the Month for January 2024 for her outstanding performance in recovery. 🎊👏🎊

Ma Shwe Yee Win’s positive attitude and hard work towards her work is a role model for other employers, as well as providing excellent service to her clients, thus, MIFIDA recognizes her excellence. 🎉🎉🎉

MIFIDA wishes and congratulates her that she can always maintain her excellence and reach her dream goal as soon as she can achieve much more success. 🎊🎉🎉

🎉 Congratulations! 🎉

We are proud to announce that Daw Htet Htet Hlaing (Recovery Officer) from Ingapu Branch has been selected as the Best Recovery Officer of the Month for December 2023 for her outstanding performance in recovery. 🎊

We would like to acknowledge and honor her constant efforts and record-worthy performance. 🎊🎉✨✨✨

🎉Congratulations! 🎉

We are proud to announce that Daw Moh Moh Kyaw from Aungpan branch has been selected as the Best Recovery Officer of the Month for November 2023 for her outstanding performance in recovery. 🎊

Ma Moh Moh Kyaw is a great employee who makes MIFIDA proud by her responsibility, hardworking and possessing an attitude that is always active with the best services provided to clients. 😇

MIFIDA congratulates her by wishing that she can always maintain her excellence and reach her dream goal as soon as possible. ✨✨✨

🎉 Congratulations! 🎉

We are proud to announce that Ko Kaung Myat Naing (Recovery Officer) from Myeik Branch has been selected as the Best Recovery Officer of the Month for October 2023 for his outstanding performance in recovery. 🎊

Ko Kaung Myat Naing is an active recovery officer with hardworking, a good MIFIDA employee who is always cheerful and has a positive attitude that only does the best for his clients. These factors really inspired the employees at all levels of positions in MIFIDA. 😇

MIFIDA congratulates him by wishing that he can always maintain his excellence and reach his dream goal as soon as possible. ✨✨✨

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