Improving financial literacy has long been a core pillar of Home Credit Vietnam’s sustainability strategy. The company believes that financial knowledge empowers people to live independently and make informed choices, and therefore seeks to make financial education accessible to all—especially disadvantaged women and students, who represent the country’s future workforce.

Reflecting on its 2025 journey, Home Credit has focused on making financial knowledge more relatable and engaging. Training sessions for students and women, together with digital communication initiatives, have helped expand access throughout the year. Practical experiences and expert guidance have also been compiled into the book “Now You Know — A Guide for Smart Money Management”, co-developed by Home Credit and financial specialists and published by Saigon Books.

Equipping young people with financial knowledge and skills

One of the company’s key initiatives this year was the University Tour 2025, designed to help students assess their “financial health,” set goals, create budgets, and manage money throughout different stages of study and work.

With guest speakers from various fields, the program provided diverse perspectives and real-life examples on smart spending, long-term saving and investment, and building a foundation for financial freedom.

The tour took place at the University of Finance – Marketing and Ho Chi Minh City University of Banking, before expanding to the University of Economics and the Vietnam – Korea University of Information and Communication Technology in Da Nang. More than 2,000 students attended in person and online.

Bui Xuan Khoi, a second-year student at the University of Finance – Marketing, said the workshop helped him better understand personal finance through practical, relatable tips. “The speakers inspired and motivated me to improve myself and prepare for my journey ahead,” he said.

Home Credit representatives participated as speakers at workshops of the University Tour 2025. Photo courtesy of Home Credit

Accompanying women in difficult circumstances

Women facing hardship or living in remote areas remain a central focus of Home Credit’s financial literacy mission.

In early 2025, the company collaborated with Phu Nu Thu Do newspaper and the Vietnam Women’s Union to deliver financial management workshops in Thanh Hoa, Dien Bien, and Hanoi. These sessions equipped women with tools to manage personal and household finances more effectively.

In October, Home Credit and the Banking Academy – Phu Yen Branch launched ten “Personal Finance” classes reaching more than 300 women and students in Dak Lak province. Each class was tailored to its audience: women learned household budgeting, saving principles, and safe borrowing practices to avoid usury, while students explored basic saving and spending skills through the “three jars” method—saving, spending, and sharing.

The ten-session “Personal Finance” series has disseminated practical financial knowledge to over 300 women and students in Dak Lak province. Photo courtesy of Home Credit

Also in October, to celebrate Vietnamese Women’s Day (Oct. 20), Home Credit joined Be Group’s event honoring female partners, including more than 500 drivers and maids attending in Hanoi and Ho Chi Minh City, with over 1,000 joining online. Financial experts shared advice on personal finance and fraud prevention, helping participants protect their assets.

During the event, Home Credit provided support packages worth VND10 million each to four women in particularly difficult situations.

One of the recipients, Thuy from Ho Chi Minh City, has been the main provider for her family since her divorce four years ago. Working over 10 hours a day as a maid via the Be app, she supports two young children and elderly parents undergoing medical treatment. “I’m very grateful for this support,” she said. “I haven’t been able to afford my father’s medication for three days, and now I can use this money to pay the hospital deposit.”

Some of Be Group’s female partners received VND10 million from Home Credit. Photo courtesy of Home Credit

Through these initiatives, Home Credit continues its mission to expand financial literacy, promote financial inclusion, and contribute to sustainable community development.

“We believe a community can only thrive when it’s built on education, inclusion, and economic opportunity,” said Jakub Kudrna, Chief Strategy Officer of Home Credit Vietnam and Chairperson of the Company ESG Steering Committee. “That’s why we continue to expand access to inclusive financial services, leverage innovation and strategic partnerships, and broaden economic opportunities. Our mission is to empower people to manage their finances effectively, strengthen their resilience to financial risks, and improve their financial health.”