In the process of Viet Nam’s economic development, the collective economic sector is increasingly affirmed as one of the important pillars to ensure inclusive and sustainable growth. However, for this sector to fully realise its potential, access to credit capital suitable to its specific characteristics remains a key factor.

Within the co-operative credit structure, the link between the Co-operative Bank (Co-opBank) and the People’s Credit Funds is not merely an operational relationship, but a matter of survival, forming a “co-operative ecosystem” that ensures the safety, efficiency, and sustainability of capital flows serving community development.