Microfinance is the provision of some small, simple financial and banking services to low-income households and individuals, especially poor households and the poor.

Capital aid for Employment of the Poor Microfinance Institution is established by Ho Chi Minh City’s Confederation of Labor and officially approved by Ho Chi Minh City’s People’s Committee on 2/11/1991. CEP pursues a non-profit mission to contribute to social well-being by providing accessible, practical, and effective financial and non-financial services to workers, poor laborers, and low-income individuals.

CEP's loan customers include the following categories:
a) Poor households, near-poor households, individuals belonging to poor households, and individuals belonging to near-poor households, as prescribed by law.
b) Low-income individuals, including:
- Employees working under labor contracts in urban areas whose average monthly income does not exceed VND 9 million at the time of the loan application;
- Employees working under labor contracts in rural areas whose average monthly income does not exceed VND 7 million at the time of the loan application;
- Self-employed individuals working without labor contracts whose income corresponds to the average income threshold applicable to the above-mentioned customer groups.
c) Low-income households whose average per capita income corresponds to the average income threshold applicable to low-income individuals in each respective area, as specified above.
d) Micro-enterprises as prescribed by law.

Loan application documents at CEP?
To receive loans, clients are required to supply:
- A copy of the customer's valid Identity Card.
- A Loan Application Form (using the CEP-prescribed template).
- Information, documents, and data demonstrating the customer's eligibility as a microfinance customer, the purpose of the loan for lawful use, and the customer's financial capacity to repay the loan.
- Other information, documents, and data as required by CEP from time to time.

CEP's Community Development programs are designed to support customers experiencing financial hardship while empowering them to improve their livelihoods and achieve sustainable poverty reduction. Key initiatives include the CEP Scholarship, CEP Housing, medical assistance, essential goods support, and various other community development activities.
This program is exclusively available to CEP customers with active loans who meet the eligibility requirements of each specific program.

CEP serves our clients through 2 models:
- For the low-income workers: loans are provided in working units by Trade Unions. CEP’s collaborators are executive committees at units that support CEP to deliver loans to customers.
- For the poor laborers.: loans are provided in residential areas through local authorities. CEP’s collaborators who have a good reputation in residential areas, support CEP to deliver loans to customers.