On 10 July 2026, Tinh Thuong Microfinance Institution (TYM) held a conference to review its performance in the first six months of the year and set out key tasks for the second half of 2026.
Participants included Ms. Tran Lan Phuong, Standing Vice President of the Vietnam Women’s Union; Ms. Nguyen Thi Minh Thuong, Chairwoman of TYM’s Board of Directors; Ms. Pham Thi Thuy Linh, Member of the BOD and General Director of TYM; members of TYM’s leadership and Supervisory Board; heads and deputy heads of departments and units at Head Office; and branch management and accounting teams. The conference was held in a hybrid format, combining an in-person meeting with online participation from TYM branches.
At the conference, Mr. Phung Dinh Kien, Deputy General Director of TYM, presented the report on TYM’s performance in the first six months of 2026.
Mr. Phung Dinh Kien, Deputy General Director of TYM, presents the report on first-half performance in 2026.
In the first half of the year, following the orientations of the Vietnam Women’s Union and the State Bank of Vietnam and TYM’s 2026 business plan, TYM continued to implement coordinated measures to maintain safe, efficient and sustainable growth.
As of 30 June 2026, TYM was operating in 9,813 villages across 500 communes in 10 provinces and cities, through 23 branches and 50 transaction offices, serving 228,950 clients and reaching 100.74% of its plan.
In lending operations, TYM promptly adjusted its credit policies to comply with new regulations, continued to accelerate disbursement, introduced a green-practice credit product and gradually digitalized the lending process. During the first six months, TYM disbursed 57,651 loans with a total value of more than VND 2.781 trillion. Total outstanding loans exceeded VND 3.529 trillion, reaching 112.4% of plan, while the overdue loan ratio stood at 0.0038%.
Savings mobilization also continued to perform effectively. By 30 June 2026, total deposits exceeded VND 2.771 trillion, equivalent to 102.5% of plan.
Digital transformation remained a key focus, contributing to improved service quality and management efficiency. TYM provided AI application training to 100% of its staff and organized 18 digital-skills training courses for 521 clients. During the first half of the year, the TYM Mobile application had 142,647 accounts across the system, up 14% from the end of 2025. Nearly 62.2% of clients were using TYM Mobile, equivalent to almost 105% of plan. At the same time, the number of clients using cashless transactions reached 134,952, an increase of 13,726 from the end of 2025.
Alongside its financial activities, TYM actively implemented social welfare programmes supporting women and communities. In the first six months, TYM visited and presented gifts to 37 members and clients facing difficult circumstances; provided free health check-ups to 1,318 clients at branches; continued to accompany and support 19 orphans under the “Godmother” programme; and organized training, capacity-building and learning activities on successful economic models for more than 3,462 members and clients. TYM also actively responded to and participated in campaigns launched by the Central Vietnam Women’s Union, helping extend social welfare activities and support women and children in difficult circumstances.
Notably, 320 TYM clients stood as candidates in elections to People’s Councils at different levels, of whom 273 were elected, reflecting women’s increasingly visible role in social and public life.
The conference also heard a report on preparations for launching insurance agency operations at TYM. During the first six months of 2026, TYM researched and assessed potential cooperation arrangements with insurance companies and worked to review and refine insurance product options suited to clients and legal requirements. In parallel, TYM continued to develop operational procedures, upgrade its information technology systems and train staff in preparation for implementation.
Mr. Luu Van Thang, Officer Acting as Deputy Head of the Credit and Development Department, presents the update on insurance operations.
Delegates at the different meeting locations discussed the results achieved and the difficulties encountered in implementation, shared experience and proposed solutions to meet TYM’s 2026 targets. Discussions focused on credit growth alongside credit quality control; client development and network expansion; stronger savings mobilization; digital transformation and increased use of TYM Mobile; higher labour productivity and service quality; and stronger risk management.
Addressing the conference, TYM General Director Pham Thi Thuy Linh said that the results achieved in the first six months provided an important foundation for the entire institution to continue working towards its 2026 objectives. She called on units to remain proactive and innovative, focus on improving client service, accelerate digital transformation, strengthen management and governance, improve labour productivity, manage costs effectively and optimize resources to deliver the 2026 plan.
Ms. Pham Thi Thuy Linh, Member of the BOD and General Director of TYM, addresses the conference.
In her guidance to the conference, Ms. Tran Lan Phuong, Standing Vice President of the Vietnam Women’s Union, recognized and commended TYM’s achievements in the first six months of 2026, particularly its safe and efficient growth, proactive network consolidation, accelerated digital transformation and technology application, and effective implementation of social welfare activities. She called on TYM to continue following the Resolution of the 14th National Women’s Congress; increase investment in science and technology, innovation and digital transformation; further its role as the Vietnam Women’s Union’s microfinance institution in supporting women’s economic development and empowerment; and actively participate in the Union’s programmes and projects and national target programmes, contributing to the country’s socio-economic development goals.
Ms. Tran Lan Phuong, Standing Vice President of the Vietnam Women’s Union, delivers guidance at the conference.
Concluding the conference, Ms. Nguyen Thi Minh Thuong, Chairwoman of TYM’s Board of Directors, acknowledged the responsibility and determination demonstrated across the institution during the first half of the year. She asked all units to continue fostering solidarity, initiative and innovation and to vigorously implement priority tasks for the second half, with the aim of meeting or exceeding the 2026 plan. She also emphasized the need to continue implementing TYM’s Development Strategy for 2026–2030 effectively, strengthening TYM’s position in the microfinance sector and contributing positively to the development of the Vietnam Women’s Union.
Ms. Nguyen Thi Minh Thuong, Chairwoman of TYM’s BOD, addresses the conference.
Some images from the conference at different meeting locations:
