about us

  • Loi Hein Group (“LHG”) and Dragon Capital Group (“DCG”) entered into a Joint- Venture (“JV”) Agreement in April 2017 to form Ruby Hill Microfinance Co., Ltd. (“RHM”) to engage in the microfinance business in Myanmar.
  • LHG is one of Myanmar’s most well-known consumer beverage products providers, having over 30 years experience with 8 self-created and built brands under cooperation with international partners such as Osotspa, Green Spot, Siam Winery and Asahi Group. LHG engages in beverage manufacturing, sales, marketing and distribution through over 45,000 points of sale.
  • Founded in 1994, Dragon Capital Group is an employee-owned asset management company with extensive management experience in banking and microfinance. It presently manages approximately US$ 3.1bln of funds on behalf of international pension funds, sovereign wealth funds, high net worth individuals and endowments.
  • RHM is strategically led by Dr. Sai Sam Htun and Mr Dominic Scriven, the respective chairmen of the two groups. They will directly chart the business course of the microfinance institution as Directors with Dr Sai being the honourable Chairman of RHM.
  • The formation of Ruby Hill Microfinance will combine the banking and microfinance expertise developed by Dragon Capital Group in Vietnam and the Greater Mekong Subregion with the local presence and knowledge of Loi Hein Group, one of Myanmar’s largest business conglomerates.
  • Both Loi Hein and Dragon Capital have experience in Microfinance and in particular Dragon Capital has significant investor and mentor experience in PRASAC Microfinance, Cambodia’s largest MFI with Total Assets of US$ 1.3 bln and operating 181 Branches with over 6,000 Staff.
  • It is the Mission of RHM to improve the financial access of eligible Myanmar nationals and business (within the regulations presented by the Financial Regulatory Department (FRD) of the Ministry of Planning and Finance (MOPF)) and to become a top 10 provider of MFI services in Myanmar.