Vietnam is gradually turning its commitment to achieving net-zero emissions by 2050 into reality. It is a major goal, but it begins with very small changes: installing solar panels on rooftops, replacing gasoline-powered vehicles with electric ones, or adopting production models that minimize waste.
In this green transition journey, microfinance is emerging as an important channel that brings national policies closer to individual households. With its extensive network and close connection to local communities, the Vietnam Women’s Union is playing a key role in promoting green lifestyles and sustainable consumption models to women members across the country.
Starting from March 30, 2026, Tinh Thuong Microfinance Institution (TYM), under the Vietnam Women’s Union, officially launched the “Green Practice Credit” product under Decision No. 218/QĐ-TYM. This is not only a credit product, but also a practical tool that enables women members and local people to directly participate in sustainable development.
With a maximum loan amount of VND 100 million and preferential interest rates from 0.5% to 2% lower per year than TYM’s existing loan products, customers can reduce borrowing costs when choosing environmentally friendly solutions. The loans can be used to invest in green consumption solutions such as energy-saving equipment, electric vehicles, rooftop solar power systems, or environmentally friendly business and production models such as clean agriculture, waste recycling, and eco-tourism development.
One notable feature of the product is its open and accessible design. Customers only need to apply at least one environmentally friendly practice in their production, business, or consumption activities to be considered for a loan. The encouraged green practices are practical and easy to adopt, including the use of organic fertilizers, water-saving methods, waste treatment, clean livestock farming, energy-efficient appliances, and electric vehicles.
In addition, TYM has introduced a controlled verification system for “green projects” through standard certifications, confirmation from local authorities, or assessments of production processes based on approved criteria.
At a time when the Government is promoting the Green Growth Strategy and sustainable finance development, TYM’s “Green Practice Credit” demonstrates a very practical approach: turning large national goals into small, meaningful, and immediately achievable actions.
When every Women’s Union member and every TYM customer becomes an agent of change, and every loan becomes a green choice, the journey toward green transformation will spread more widely and sustainably throughout the community.
By Trinh Trang – HCDN