Living in Peaceマイクロファイナンスフォーラム2011講演資料 講演者：Mrs.Nguyen Thi Minh Thuong（Deputy General Director,TYM）

1. TINH THUONG ONE-MEMBER
LIMITED LIABILITY MICROFINANCE
INSTITUTION (TYM)
The scale up of poor women
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2. THE MFI IN VIETNAM
IMPROVING THE QUALITY OF
LIFE AND STATUS OF POOF
WOMEN AND THEIR
FAMILIES
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3. Mission
• Improve the quality of life and status of poor and
low income women by providing credit and
savings to Fund members, creating favourable
conditions for their participation in economic
activities and enhancing their role in society.
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4. Vision
• A leading provider of financial services to low
income women and their families. Rooted in
the Vietnam Women’s Union, combining
social responsibility and professional
excellence of its staff, TYM wants to be a
model of a best practice microfinance
institution in Vietnam.
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5. Development history
• 1992: Established by Vietnam Women’s Union
(VWU) under Family and Social Affairs Dept
• 1998: Became a regular Dept under VWU
• 2006: Became an Income-generating unit
• 2010: Became a licensed MFI
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6. August
2010
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7. TYM TARGET GROUP
Poor and low-income women
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8. CURRENT PRODUCTS & SERVICES
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9. Loan: small amount disbursed in cycles,
installment repayment, simple procedure
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10. Savings: Flexible
• On weekly basis
• Savings for a purpose
• Term deposit
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11. Micro-insurance agent
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12. Non-financial service
TRAINING, CHARITY ACTIVITIES, ….
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13. RESULTS as of 2011
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14. Results
In recent years, growth rate is from 20 – 30% per year
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15. Results
Đv tính: Tỷ VND 15

16. Results
Percentage of
saving balance/loan
outstanding: 30%.
Goal for 2012 to
attain 45%
Unit: billion VND
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17. REPAYMENT RATE 99.9%
(For 20 years)
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18. 18

19. Some basic financial indicators
(VND)
INDICATORS 2009 2010 2011
No. of clients/TO 270 307 325
Loan outstanding/TO 480,000JPY 587,000JPY 626,000JPY
PAR 0.020% 0.018% 0.017%
OSS 141% 134% 145%
FSS 101% 96% 102%
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20. Women can escape poverty and
try more to make income.
CREDIT Training Share
SUPPORT on love
knowled
ge and
and
skills care
Professional staff cadre
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21. RESULTS
in economic aspects:
- 80% of the clients can escape poverty and greatly improve the
economic conditions of their families.
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22. In economic aspects:
- 66% of the clients can upgrade housing conditions together with their families;
they can buy durable assets after 6 years participating in TYM.
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23. Results
Clients who achieve micro
entrepreneur prize
TYM 5 –years outstanding
micro-finance organization
award (2007 -2011)
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24. Results
01 client achieved the Planet Finance entrepreneur
award (5/12/2011).
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25. To social aspects
• 100% of TYM’s clients are women
• Increase the ratio of poor clients (through the client selection and
recruitment)
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26. To social aspects
- Starting with the lack of enough rice for the families for 2 meals per
day, after 6 years joining TYM, 50% of the clients’ families can
ensure even the nutrition requirement of the daily servings. That
number after 9 years is 72%.
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27. To social aspects
- 100% of the clients can approach to formal
healthcare services, like clinics or hospitals.
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28. To social aspects
Rate of children attending school among the women raised from
86% (before membership) to 94% (after joining TYM).
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29. To social aspects
• More investment on client training: In 2011, training investment for clients
increases 16% in comparison to that of 2010, occupying 8% of the income
from interest.
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30. To social aspects
• Grant scholarships for clients’ children, who are excellent
students at school (1 mil. VND/ scholarship).
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31. To social aspects
Support disadvantaged clients: Total investment equal to 1% of the income
from interest.
Distribute presents for clients
Collect used clothes, and books for poor families
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32. Charity activities
• Organize events for clients: Finding excellent clients,
celebrating center birthdays
• Organize community activities on Int’l women’s day (March
8th); Vietnamese Women’s day (October 20th); musical shows,
sport events.
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33. Training activities
• 100% clients are trained on risk management and
micro-insurance;
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34. Training activities
• Gender and business: conduct training for over 8,000 clients;
• Health care, Sanitation and Environment: 6,000.
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35. Training activities
• Every year, the center leaders are management skills,
basic monitoring policies.
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36. Training activities
• Open literacy classes for 100 women.
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37. Granting savings books (15), Granting affectionate houses (8)
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38. Non-financial activities
Medical check for clients
1.751 children, 2.000 clients, Buy health equipment for 5
commune clinics of Quang Xuong district
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39. Enhance the social status
• No. of clients elected to the
People’s Council (term 2011 –
2016)
- Provincial level : 1
- District level: 31
- Commune level: 264
• 1,614 clients in the Executive
board of local Vietnam Women’s
Union at all levels.
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40. Non-financial activities
Medical check for clients
1.751 children, 2.000 clients, Buy health equipment for 5
commune clinics of Quang Xuong district
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41. Planning for 2011 - 2015
1. Extend the
coverage
and clients
(Goal: double
the rate as
of 2011)
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42. Planning 2011 - 2015
2. Loan outstanding
(3 times the rate as
of 2011)
(billion JPY)
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43. Planning 2011 - 2015
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44. THANK YOU FOR YOUR ATTENTION
Please contact to TYM through
Email:
tymfund@tymfund.org.vn
thuongntm@tymfund.org.vn
Web site:
www.tymfund.org.vn
Tel: 84.437281003
Fax: 84.437281071
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