On April 17, 2026, in Phu Tho, Tinh Thuong One-member Limited Liability Microfinance Institution (TYM) held its Q1 2026 review conference and launched key tasks for Q2 2026. The conference was chaired by Ms. Nguyen Thi Minh Thuong, Chairperson of TYM’s Board of Directors, and Ms. Pham Thi Thuy Linh, TYM’s General Director.
At the conference, Mr. Phung Dinh Kien, TYM’s Deputy General Director, presented the Q1 2026 performance report. Despite ongoing challenges, TYM maintained stable operations and achieved many positive results, further affirming its role in the microfinance sector by supporting women’s livelihoods and implementing the policies and directions of the Party, the State, and the Vietnam Women’s Union.
Mr. Phung Dinh Kien, Deputy General Director of TYM, presented the report reviewing TYM’s performance in the first quarter of 2026.
As of March 31, 2026, TYM was operating in 9,579 villages across 486 communes in 9 provinces and cities, with a network of 22 branches and 49 transaction offices, serving 227,019 clients and achieving 100.47% of its planned target.
In terms of lending activities, TYM continued to accelerate loan disbursement and adjusted its lending policies to be more flexible and better aligned with clients’ needs. Increasing the maximum outstanding loan balance for individual clients to VND 100 million, together with appropriate interest rate policies, helped clients access loans more easily. In Q1, TYM disbursed 29,696 loans with a total value of more than VND 1.336 trillion. Total outstanding loans exceeded VND 3.274 trillion, reaching 106.9% of the target, while the overdue debt ratio remained very low at 0.0034%.
At the same time, savings mobilization activities continued to perform effectively. TYM proactively adjusted interest rates in line with market conditions, meeting clients’ capital needs and savings trends. By the end of Q1, total deposits exceeded VND 2.55 trillion, achieving 101.6% of the target.
Digital transformation efforts were further accelerated, contributing to improved service quality and management efficiency. By the end of Q1, the TYM system recorded 133,648 TYM Mobile application accounts, an increase of 7.1% compared to the end of 2025. Nearly 59% of clients were using the TYM Mobile application. In addition, the number of clients participating in cashless transactions reached 127,506, an increase of 6,280 clients compared to the beginning of the year.
Alongside its financial activities, TYM actively implemented social welfare programs to support women and communities. During the quarter, TYM visited and presented gifts to 37 disadvantaged members and clients, organized free health checks for 343 clients at several branches, continued supporting 13 orphaned children through the “Godmother” program, and organized training and capacity-building activities as well as study tours of successful economic models for more than 630 members and clients.
Notably, TYM also actively encouraged staff members and clients to participate in local socio-political activities. In the elections for People’s Councils at various levels, 320 TYM clients ran as candidates, of whom 273 were elected, highlighting the increasingly important role of women in society.
In response to campaigns launched by the Central Vietnam Women’s Union, TYM also contributed to programs such as “Visiting and Giving Gifts to Disadvantaged VWU Members,” “Tet of Love,” the Prime Minister’s meeting with female leaders and managers of central agencies and the presentation ceremony of the 2025 Kovalevskaia Award, as well as visits and gifts for children suffering from serious illnesses at the National Institute of Hematology and Blood Transfusion.
At the conference, Ms. Tran Thi Loan, Chief Accountant and Head of Finance and Accounting Department, reviewed TYM’s financial performance in Q1 2026, set specific targets for each unit, and proposed solutions to improve capital efficiency, control costs, ensure financial balance, and achieve TYM’s overall goals for 2026.
Ms. Tran Thi Loan, Head of the Finance and Accounting Department and Chief Accountant of TYM, reviewed the financial performance results for the first quarter of 2026.
Under the moderation of Ms. Tran Thi Ngoc Ha, Head of Credit and Development Department, representatives from various units shared experiences and proposed solutions to improve operational efficiency, promote sustainable credit growth, expand operational areas, and enhance customer service quality.
Ms. Tran Thi Ngoc Ha, Head of the Credit and Development Department, moderated the discussion and experience-sharing session.
Photos from the discussion and experience-sharing session at the conference.
Regarding the orientation for Q2 2026, General Director Pham Thi Thuy Linh emphasized the need to continue managing operations proactively and flexibly while maintaining strict risk control. TYM will focus on controlling credit growth according to the planned portfolio structure, prioritizing effective production and business sectors associated with sustainable development goals.
Ms. Pham Thi Thuy Linh, General Director of TYM, delivered directives at the conference.
For capital mobilization, TYM will continue implementing growth solutions aligned with lending demand, while flexibly managing interest rates according to each locality to ensure balanced funding sources and optimize mobilization costs. Liquidity management must strictly comply with regulations of the State Bank of Vietnam while ensuring operational efficiency targets.
In addition, TYM will continue accelerating digital transformation, increasing the proportion of customers using digital services, and improving customer experience and operational efficiency. The organizational structure and network will also be reviewed and streamlined to meet development requirements in the new stage.
Alongside professional solutions, the General Director particularly emphasized the importance of human resources in the organization’s new phase of development. TYM will continue strengthening its workforce, maintaining solidarity and discipline, and fostering motivation and inspiration throughout the system. Every TYM staff member is expected to uphold confidence, responsibility, and proactiveness in their work, thereby spreading positive energy, improving customer service quality, and enhancing the organization’s overall effectiveness.
The combination of effective management and strong team building was identified as a key foundation for TYM to achieve its 2026 goals, continue sustainable development, and strengthen its position in the microfinance sector.
In her closing remarks, Chairwoman Nguyen Thi Minh Thuong acknowledged and highly appreciated the achievements made in Q1, while urging the entire system to continue promoting proactiveness and responsibility, improving operational quality and efficiency, and contributing to sustainable development and better living standards for women.
Ms. Nguyen Thi Minh Thuong, Chairperson of the Board of Directors of TYM, delivered directives at the conference.
The Chairperson emphasized several key priorities for the coming period, including ensuring growth associated with financial efficiency and risk control; proactively implementing solutions to promote savings mobilization and secure operational capital sources; improving loan disbursement quality in a safe and effective manner; and continuing to strengthen the workforce, enhance leadership accountability, reinforce discipline, and closely follow established plans and targets to successfully fulfill TYM’s missions in 2026.
The conference provided an opportunity for TYM to comprehensively review its Q1 performance and agree on key tasks and solutions for the upcoming period. Through these efforts, TYM continues to affirm its role as a safe and effective microfinance institution, accompanying women and communities in economic development and improving quality of life.
Thu Trang – Department of Administration – External Relations