TYM

What TYM does

TYM (Tổ chức tài chính vi mô Tình Thương / Tinh Thuong Microfinance Institution) is Vietnam's first licensed microfinance institution, established in 1992 under the Vietnam Women's Union (VWU) as a one-member limited liability company (TNHH MTV). It provides collateral-free micro-credit, savings mobilization, and ancillary non-financial services to low-income women across nine provinces of Northern and North-Central Vietnam, with a priority focus on poor households, women with disabilities, ethnic minority women, and other disadvantaged groups. As of 31/12/2025, TYM serves 223,603 total clients (117,461 active borrowers) through a network of 73 branches and transaction offices reaching 476 communes, with a loan outstanding of VND 3,070.9 billion, a savings balance of VND 2,600.3 billion, and a consistently maintained Portfolio at Risk (PAR) rate of 0.002%.

The institution operates a group-based lending methodology (nhóm cụm) in which weekly or bi-weekly installments of principal and interest are collected through women's peer groups, generating social collateral in lieu of physical collateral. Technology infrastructure consists of the CorePlus core banking system, integrated with the TYM Mobile application for loan disbursement, savings management, and client communications, plus a Customer Credit Rating Tool developed under the AgriCRF VN Project. Distribution is anchored by the VWU's grassroots network at commune and ward levels, supplemented by 293 technical officers (cán bộ kỹ thuật) conducting field outreach. The organization also delivers non-financial services including financial literacy and digital skills training ('Grow My Business'), free health check-ups, the 'Giving Your Dreams Wings' scholarship program, and subsidized housing support.

TYM generates revenue primarily through interest income on micro-loans, with concessional rates on policy loans for vulnerable groups and higher effective rates on multi-purpose and credit line loans. In 2025 loan disbursement reached VND 4,816.2 billion, though interest income is not separately disclosed. Recurring savings deposits create an additional funding base and net interest spread. Strategic and funding partners include the State Bank of Vietnam as regulator, IFC, Symbiotics, Rabobank, Whole Planet Foundation, the Asia Foundation, Payoneer, Oxfam, and the Center for Women and Development, with the State Bank of Vietnam having approved the establishment of additional branches and transaction offices in December 2022.

Name

TYM

Legal name

Tổ chức Tài chính vi mô TNHH MTV Tình Thương

Website

https://tymfund.org.vn

Company type

Private

Founded year

1992

Operating status

Operating

Headcount range

101–250 employees

Short description

TYM is Vietnam's first licensed microfinance institution, founded in 1992 under the Vietnam Women's Union. It provides collateral-free micro-credit, savings, and capacity-building services to over 223,603 low-income women across nine Northern and North-Central provinces.

Ownership category

akta.pro rank

Product category

Microfinance

NAICS

Depository Credit Intermediation (5221)

SIC

Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Microloans & Working Capital Loans (FSAKAGAA)

akta.pro secondary industries

Microenterprise Group Lending (Joint Liability) (FSAKAGAH), Agricultural & Rural Microfinance (FSAKAGAG), Microfinance, Financial Inclusion & Inclusive Markets (BPAGABAM), SBA/Government-Backed & Development Finance Loans (FSAKAGAI)

Keywords

• Microfinance lending
• Group-based savings
• Women's financial inclusion
• Collateral-free loans
• Community microcredit

Headquarters

HQ city

Hanoi

HQ country

Vietnam

HQ region

Asia

Offices11 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Micro-credit / Interest Income: TYM generates revenue primarily through interest income on micro-loans provided to women borrowers. Loans are disbursed with weekly/bi-weekly repayment installments of principal and interest. Interest rates are structured to be accessible for low-income women while maintaining institutional sustainability.
2. Savings Mobilization: TYM mobilizes savings from clients, generating a savings balance of approximately VND 2,600.3 billion as of end of 2025. Clients deposit savings on a regular basis (weekly/bi-weekly), contributing to the institution's funding base.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels8 records

Core offering

TYM is Vietnam's first licensed microfinance institution providing group-based microcredit loans and savings mobilization services to low-income women and their families. Operating through 73 branches and transaction offices across 9 provinces, TYM disburses small-ticket loans without collateral requirements, paired with weekly/bi-weekly repayment schedules, and complements these financial services with community development, health, scholarship, and entrepreneurship capacity-building programs.

Product overview

TYM (Tổ chức Tài chính vi mô Tình Thương) is a microfinance institution offering a comprehensive suite of financial and non-financial products. Its core financial products include group-based savings deposits and credit/loans without collateral requirements, with specialized policy loans for vulnerable groups. Advanced offerings include Credit Line Loans for flexible capital access and Green Credit for climate-resilient development. The digital platform TYM Mobile App provides mobile banking capabilities. Non-financial services encompass community development, free health check-ups, the 'Giving Your Dreams Wings' scholarship program, subsidized housing support, and the 'Grow My Business' capacity building program with 23 training modules covering entrepreneurship, financial literacy, and digital skills.

Differentiator

Problem solved

Functional benefit

Products and services

• Savings/Deposits (Tiền gửi)
• Multi-Purpose Loans (Vốn đa mục đích)
• Policy Loans for Vulnerable Groups (Vốn chính sách)
• Credit Line Loan
• Green Credit
• TYM Mobile App
• Grow My Business (Tăng trưởng doanh nghiệp của tôi)

Quantifiable outcome

• Over 120,000 women have successfully escaped poverty through TYM's micro-loan support
• +8 more outcomes

Named customers12 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Five partnerships are on record, tiered core and minor.

• Center for Women and Development (CWD)coreStrategic or Co-development Partner · 1 January 2024Partnership to implement the 'Grow My Business' (Tăng trưởng Doanh nghiệp của tôi) project for capacity building of women entrepreneurs. CWD coordinates the AMB (Accelerate Her Business) training program providing digital skills, financial literacy, and entrepreneurship knowledge to TYM clients.
• Vietnam Women's Union (Hội Liên hiệp Phụ nữ Việt Nam)coreStrategic or Co-development Partner · 1 January 1992TYM is a wholly-owned subsidiary (TNHH MTV) of the Vietnam Women's Union. The VWU provides institutional backing, governance oversight, and access to its extensive grassroots network at provincial, district, and commune levels across Vietnam. TYM's mission and operations are aligned with VWU's mandate for women's empowerment and poverty reduction.
• CARD MRI (Mutually Reinforcing Institutions)minorStrategic or Co-development PartnerCARD MRI is a Philippine-based microfinance group with 23 member institutions. A delegation of CARD MRI staff and customers visited TYM in August 2024, suggesting a knowledge-sharing and benchmarking partnership.
• OxfamminorStrategic or Co-development PartnerOxfam is listed as a partner, suggesting collaboration on women's empowerment, financial inclusion, or development programs.
• State Bank of Vietnam (SBV)coreStrategic or Co-development PartnerThe State Bank of Vietnam is the regulatory authority for TYM's microfinance operations and issued approval (Document No. 9257/NHNN-TTGSNH dated December 29, 2022) for TYM to establish additional branches and transaction offices.

Scale indicators20 records

Recent moves9 records

Expansion highlights6 records

Regional players

• Capital Aid Fund for Employment of the Poor (CEP): Vietnamese microfinance NGO operating small-scale, group-based lending to low-income households in Vietnam, including women. CEP is comparable to TYM as another Vietnam-based community-led MFI using joint-liability methodology.
• M7 Microfinance Institution (formerly Microfinanzas): Vietnamese licensed microfinance institution operating in the Central Highlands and other underserved regions of Vietnam. M7 is the most direct domestic MFI competitor to TYM in Vietnam, using a similar group-lending methodology to serve low-income women borrowers.

Direct peers

• Pro Mujer: Latin America-based women-focused microfinance and health services organization offering group lending, savings, and non-financial services to low-income women — highly comparable to TYM's dual financial-plus-social service model and women-only client base.
• CARD MRI (Center for Agriculture and Rural Development – Mutually Reinforcing Institutions): Philippine-based microfinance group operating 23 member institutions using a group-lending model very similar to TYM's nhóm cụm methodology, with a women-focused mission. CARD MRI is already a knowledge-sharing partner of TYM, and the two are highly comparable in methodology, client focus, and scale.
• ASA International: Amsterdam-listed microfinance holding company operating in Asia and Africa using a group-lending methodology serving low-income micro-entrepreneurs. ASA is the closest publicly-traded, scale-comparable MFI to TYM in terms of methodology and client profile.

Broad incumbents

• Opportunity International: Global microfinance organization providing small loans, savings, insurance, and training to people in developing countries, with a strong focus on women entrepreneurs. Comparable to TYM in mission, client segment, and combination of financial + non-financial services.
• BRAC: One of the world's largest development organizations, operating a major microfinance program (BRAC Bank and BRAC Microfinance) using group-lending methodology to serve low-income women. BRAC is comparable to TYM in mission, scale, and community-led delivery.
• VisionFund International: World Vision's global microfinance network operating in more than 28 countries providing small loans, savings, and insurance to low-income families. VisionFund is comparable to TYM in serving rural, low-income clients and combining financial services with non-financial development programs.
• Grameen Bank: Bangladesh-based pioneer of group-based microfinance lending to women, the original conceptual model for TYM's nhóm cụm methodology. Grameen is the historical reference point and methodology peer for nearly all women-focused community-led MFIs.
• FINCA Impact Finance: Global microfinance network operating across Latin America, Africa, Eurasia, and the Middle East, using group-lending methodology to serve low-income micro-entrepreneurs. FINCA's village banking model and women-focused approach are directly comparable to TYM's model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCEoJQgLAuUDUsRIAmQpAWWg
• Facebookfacebook.com/TYMfund
• LinkedInlinkedin.com/company/tinh-thuong-one-member-limited-liability-microfinance-institution-tym-

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about TYM