According to a report presented at the conference summarizing the activities of the people's credit fund system in the first four months of 2026, there are currently 99 people's credit funds operating in Hai Phong and Quang Ninh provinces with more than 161,800 members.
The total outstanding loan balance across the entire system reached over 14,111 billion VND, averaging approximately 142.5 billion VND per fund, equivalent to nearly 69% of the total operating capital. Short-term loans accounted for nearly 68% of the total outstanding loan balance, indicating that the capital flow mainly serves the working capital needs of members and household economies .
Outstanding loans in the agriculture , forestry, and fisheries sectors reached nearly VND 4,493 billion, accounting for 31.8% of total outstanding loans. Outstanding loans for production and business activities reached over VND 1,642 billion, accounting for 11.6%. Capital flows continue to concentrate on production, business, and rural economic sectors.
Along with credit growth, total deposits mobilized throughout the system reached over VND 18,589 billion, accounting for 90.6% of total operating capital. Of this, deposits from members themselves reached over VND 12,603 billion, equivalent to nearly 68% of total mobilized capital.
According to the State Bank of Vietnam, Region 6, amidst a volatile financial market, the people's credit fund system in the area has maintained fundamentally stable operations, with liquidity ensured and most funds operating profitably. The non-performing loan ratio across the entire system is currently controlled at approximately 0.3% of total outstanding loans; 97 out of 99 funds recorded a surplus of revenue over expenditure.
Furthermore, the people's credit fund system is also strongly promoting digital transformation in its operations. Currently, 98 out of 99 funds have implemented money transfer services for members, mainly through the CFeBank electronic transaction system; 44 funds act as payment agents for the Vietnam Cooperative Bank (Co-opBank).
In the coming period, the State Bank of Vietnam's Region 6 will continue to strengthen inspection and supervision, improve risk management capacity and credit quality, and promote digital transformation to consolidate the people's credit fund system to operate safely and sustainably.
HA KIENSource: https://baohaiphong.vn/14-111-ty-dong-von-vay-qua-quy-tin-dung-nhan-dan-542713.html
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