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Her second daughter dropped out after just one year of education and was married at 14.
Her third daughter, now aged 14, stays at home to help her mother to look after the grandchildren.
Their household income was not enough to absorb the cost of her husband's medical bill after he sustained an injury carrying drinking water from house to house.
In the areas surveyed by Save the Children, more than 50 percent of households took out a loan just to buy food.
This came as a particular shock to their director of programme development, quality and advocacy, Katy Welby.
"I think this really highlights the terrible condition that people are living in - if they can borrow money then they can feed their kids; if they cannot pay it back and cannot borrow again, then they will not eat," she tells Al Jazeera.
Their research also shows that 50 percent of children drop out of school at the age of 13.
A year later and she has paid her sister far more than the original sum through these daily interest payments, but the debt still stands. She stands on the street and shouts 'I didn't give you that money for free' and other horrible things," says Than Than Htwe.
She is not the only one to be crippled by high interest loans in Yangon.
She used to sell vegetables from a stall outside her house, which she shared with her father and two children while her husband worked abroad as a fisherman.
She made just enough money to feed the family, until both her father and husband died.
In a recent survey of three townships, Save the Children discovered that 85 percent of households have taken out a loan from a local moneylender.Tags: Adult Dating, affair dating, sex dating