What to know about this Lending Partner
Kiva conducts regular, ongoing monitoring of all Lending Partners, but only posts status updates here in response to relevant, major changes at the partner.
Status Update — August 31, 2026
Kiva has paused Entrepreneurs du Monde - Anh Chi Em’s access to fundraising loans on the Kiva platform. Due to regulatory restrictions that have prevented the organization from operating normally and originating new loans since October 2025, Entrepreneurs du Monde - Anh Chi Em is experiencing financial challenges that have affected its ability to make payments owed to Kiva lenders in full. As a result, the partner’s delinquency rate reported on Kiva is currently higher than it has generally been in the past.
Entrepreneurs du Monde - Anh Chi Em continues to collect repayments from its existing borrowers. Kiva remains in communication with the partner and will continue to work with the organization to recover payments due and pass those funds on to lenders as they are received. We’ll provide additional relevant information to lenders as it becomes available.
Partner Description:
Anh Chi Em (ACE), meaning “Brothers and Sisters” in Vietnamese, is a Microfinance Program created by a Frech Non-Governmental Organization, Entrepreneurs du Monde, that supports vulnerable and marginalized individuals and groups in the severely underserved districts of Dien Bien and Muong Ang in Northern Vietnam. By providing remote and rural populations with access to financial services, technical trainings and social programs,, ACE aims to empower communities to improve their own living conditions.
Launched in 2007 by the French non-profit Entrepreneurs du Monde, ACE focuses in particular on the financial inclusion of women from marginalized ethnicities and individuals affected by socio economic issue and health problem like AIDS. Most clients work in small scale agricultural and animal husbandry. Currently, the organization serves over 3,700 active borrowers located across 14 communes, with an eye to expand its outreach in 2014.
ACE offers two flexible loan products, alongside a voluntary and compulsory savings services. The amortizing and bullet loans provide borrowers with key capital at an yearly interest rate of 18%, compared to the national averages of 23.01%. The savings product pays clients 6% returns on their savings per annum.
Beyond its financial products, ACE offers various community development services, including business, social and agricultural trainings, advice/counselling appointments, and home visits. Through partnerships with local agricultural experts and foreign NGOs, such as Agronomes et Vétérinaires Sans Frontières, the organization aims to bring new and efficient farming practices to the region.
ACE also facilitates educational programs on topics including HIV/AIDS prevention, nutrition, hygiene and waste management. In 2012, over 9,500 clients attended the business, social and agriculture training organised by the socio-economic team.
A unique lending approach:
Anh Chi Em is currently scaling its operations and plans to expand its services into other communes of existing district and into a new district in 2014. To date, ACE’s low interest rates and community-focused services have prevented the organization from becoming financially sustainable and self-scaling. This partnership is critical in supporting the growth of an organization that provides unrelenting support to underserved and marginalized populations in Northern Vietnam. Kiva lender’s funds are used to provide more loans to borrowers.