The funds have 74,185 members and combined charter capital of VND 133.841 billion ($5.15 million), said Alliance's Chairman Ngô Thanh Lý. Their non-performing loan ratios remain below the regulatory threshold.
Lý said lending had supported production, helped reduce poverty and curbed usurious lending locally.
The funds operate under the management, supervision and professional guidance of the State Bank branch.
In Mang Yang commune, the Kon Dơng People’s Credit Fund issued 600 loans worth more than VND 135 billion ($5.19 million) in the first nine months of 2026.
Outstanding loans exceeded VND 118 billion ($4.54 million), with no bad debts reported.
The fund, which has operated for nearly 30 years, charges annual interest rates of 8.4% for short-term loans and 9.6% for long-term loans, director Trần Thị Kim Yến said. Its non-performing loan ratio remained below 1% in previous years.
Yến said borrowing procedures had been simplified, while staff monitored borrowers’ production and business activities and offered guidance on using the money effectively.
Among its borrowers is Nguyễn Đình Toản, whose family farms four hectares in Kon Dơng 4 hamlet. The family has borrowed from the fund since 2012 to grow and maintain coffee, durian and pepper crops, earning annual profits of nearly VND 1 billion ($38,462) from sales.
Another resident, Đào Thị Lan Hương, borrowed VND 1 billion ($38,462) in early 2025 to expand her family’s grocery store.
She said monthly revenue now reached VND 40–50 million ($1,538–$1,923), generating profits of about VND 10–15 million ($385–$577).
Mang Yang Commune People’s Committee chairman Võ Lê Xuân Thiện said the fund had helped residents obtain financing, particularly for agriculture and forestry.
The commune is directing its Public Administrative Service Center and relevant agencies to help households resolve land procedures, business registration and documentation needed to access investment capital, he said.
In Tây Sơn commune, the Bình Nghi and Quang Trung People’s Credit Funds are also financing household production and businesses.
Bình Nghi processed 514 loan applications in the first nine months of 2026, with individual loans ranging from VND 200 million to VND 300 million ($7,692–$11,538), director Phùng Thị Thanh said.
Lending during the period totalled VND 133.5 billion ($5.13 million), while repayments exceeded VND 147.8 billion ($5.68 million).
Savings mobilised surpassed VND 153.9 billion ($5.92 million), and outstanding loans stood at more than VND 133.9 billion ($5.15 million).
The fund’s annual non-performing loan ratio remains at 0.02–0.03%. Thanh said it worked to keep borrowing procedures quick and straightforward.
At Quang Trung, director Phan Thị Cẩm Nhung said familiarity with the area and members’ finances helped the fund assess applications and guide borrowers through the lending process.
Since the start of 2026, total lending has exceeded VND 59.9 billion ($2.30 million), with repayments above VND 61.6 billion ($2.37 million). Funds mobilised have surpassed VND 61 billion ($2.35 million), while outstanding loans have exceeded VND 62.5 billion ($2.40 million).
Nguyễn Trung Hậu, deputy head of the Tây Sơn Commune Economic Office, said the two funds had helped residents buy machinery and expand crop production and livestock farming.
The office will advise the commune administration on helping residents access loans, use them for their intended purposes, improve production efficiency and repay on time, he said.
Lý said the Provincial Cooperative Alliance would continue helping the funds resolve operational difficulties, recruit members and expand their capacity to finance rural production and businesses.
