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Mastering Business Success with Ease: Insights from the CEO of Bếp Hoa

In the third episode of Podcast Money Gym, a collaboration between VPBank and journalist Dương Ngọc Trinh, Lương Vũ Thiều Hoa, CEO of the Bếp Hoa restaurant chain, shares profound insights into her entrepreneurial journey. From staggering losses amounting to billions of dong to becoming the owner of four successful restaurants in Hanoi, her story is a testament to resilience and determination.

Administrator

4 October, 2025

The MoneyGym Podcast series, presented by VPBank, offers insightful financial stories, experiences, and tips to help you effectively manage your cash flow and fully embrace your journey toward prosperity.

Cash Flow – The Lifeblood of Business

Born into an ordinary civil servant family, Lương Vũ Thiều Hoa harbored a burning desire to achieve wealth. In 2020, during the Covid pandemic, her entrepreneurial journey began with a humble starting point akin to a home kitchen. After five years of perseverance, enduring losses of billions of đồng, Bếp Hoa Cuisine has established itself in the culinary market with four restaurants in Hanoi and a successful online sales system in both Hanoi and Saigon.

“A kitchen can be chaotic and overwhelming if not organized properly, much like the business world, which constantly demands adaptability for success,” reflects Thiều Hoa on her five-year entrepreneurial journey.

Thiều Hoa emphasizes that cash flow is the lifeblood of any business

In business, passion may spark the beginning, but smart financial management sustains it. For the CEO of Bếp Hoa, profitability goes beyond revenue growth; it’s about a systematic and scientific financial management approach.

“In the early days of my small kitchen, I made mistakes by not managing cash flow or maintaining financial reports. Honestly, I avoided financial reports because of significant losses. After six months of stability and gaining customers, I revisited the reports and tightened controls,” shares Hoa.

Over the years, Thiều Hoa has developed a formula: every profit has a clear purpose—allocating funds for salaries, expenses, and activities that generate returns. She also divides profits into portions for reinvestment, savings, and a risk fund to handle unforeseen challenges.

“After several setbacks, I realized that structured and principled financial management determines how far you can go,” notes Hoa.

The Secret to Peace of Mind

Peace of mind is a luxury for entrepreneurs. As a woman, wife, and mother, Thiều Hoa values time for her family and herself. She never brings work home, as she doesn’t believe in sacrificing family for career.

Hoa ensures financial stability for her family by setting aside a fixed amount for her children, safeguarding them from business fluctuations. For her company, she implements streamlined processes and leverages technology for efficient management.

Super Sinh Lời – the solution to keep money active and generate daily returns

For financial management, Hoa trusts VPBank. “I’ve been with VPBank for a decade, appreciating their quick, convenient, and customer-friendly services. I’ve tried every new product, including Super Sinh Lời and Super Thịnh Vượng,” she says.

Instead of letting money idle in low-interest accounts, Hoa activates Super Sinh Lời to keep funds active and generate daily returns. For her risk fund and unplanned finances, she uses the flexible Super Thịnh Vượng certificates, allowing her to withdraw anytime while earning attractive interest based on actual holding days.

This strategic combination optimizes cash flow, ensuring liquidity, capital preservation, and growth—critical for long-term prosperity and expansion.

For Thiều Hoa, prosperity means more than acquiring material possessions; it’s about achieving inner peace through social contributions, job creation, and building a brand that delivers genuine value to customers.

Minh Tài

– 10:21 04/10/2025