Soft-shell turtle, a specialty successfully raised in a commune of Hai Duong, farmers reveal investment capital source

Thanks to the policy credit capital of the Social Policy Bank, many member families and farmers in Minh Hoa commune, Kinh Mon town, Hai Duong province have invested in many new and effective agricultural models. In particular, the model of raising soft-shell turtles and fish from this policy credit capital has brought high income to farmers here.

Borrowing capital from the Social Policy Bank to invest in raising soft-shell turtles, earning 100 million VND/year

As one of the good farming households in Minh Hoa commune, farmer member Vu Thi Tai (born in 1960, residing in Conversion Area 733, Minh Hoa commune, Kinh Mon town, Hai Duong province) currently has 5 sao of soft-shell turtles and 1 mau of fish farming, earning hundreds of millions/year.

This is the "sweet fruit" of hard-working farmers after many years of actively converting models and proactively borrowing capital to develop the economy.

Ms. Tai said: "At that time, when we had just moved to Conversion Zone 733, my family had many difficulties, the most difficult of which was the lack of capital for economic development. At that time, there was information about credit capital from the Social Policy Bank, so I boldly borrowed 50 million, for a period of 5 years, to raise aquatic products."

Seeing many models in the area converting to soft-shell turtle farming that brought good income, Ms. Tai's family invested in breeding stock and built ponds to raise soft-shell turtles and fish. In years when prices are good, the soft-shell turtle and fish farming model can bring in hundreds of millions of dong in income, after deducting expenses, the profit is more than 100 million dong/year.

"This year is the third year I have borrowed policy credit. Since borrowing credit, I have paid the interest on time every month. Thanks to this source of capital, my family has had the conditions to develop the economy, earn more income, and have jobs," said Ms. Tai.

Farmers in Minh Hoa commune, Kinh Mon town, Hai Duong province invest in a model of raising soft-shell turtles and raising specialty animals from loans from the Social Policy Bank.

Along with Ms. Tai, many other farming households in the commune have risen to stabilize their lives thanks to policy credit capital. For example, Mr. Nguyen Van Quang (born in 1965, residing in Noi village, Minh Hoa commune, Kinh Mon town, Hai Duong province), after being informed about borrowing capital from the Social Policy Bank, decided to "start a business" at the age of nearly 70.

Sharing about his new job, Mr. Quang confided: I have had access to the job creation loan from the Social Policy Bank since last year. My two children work for the company and I still have land for production, so I boldly borrowed 100 million to do agriculture for 2 years.

With 100 million VND in capital, Mr. Quang invested in building barns, buying piglets, and raising 6 sows. Also from this capital, he planted 5 more sao of garlic and 1 sao of onions, with a total area of ​​over 2,000m2.

In 2024, Mr. Quang harvested 4 tons of garlic and 300 kg of onions, earning more than 50 million VND. As for the pig farming model, due to the impact of Typhoon Yagi, his barn roof was blown off, and his pigs were also affected. His family's case has been supported by the Social Policy Bank with interest until January 2025.

"In addition, I borrowed an additional 20 million to build a clean water project for my family and a toilet. My family's life has improved a lot thanks to these support policies," Mr. Quang shared.

Support members to access capital from the Social Policy Bank in a timely manner

Promoting the role in mass mobilization, the Savings and Loan Groups in Minh Hoa commune operate effectively. The groups carry out direct propaganda well, supporting people to access policy credit capital.

Having been the Head of the Savings and Loan Group in Ngoai village, Minh Hoa commune for many years, Mr. Bui Van An said: My group is in charge of propaganda, mobilization and support for people in Ngoai village, Minh Hoa commune.

Currently, my group has 52 households participating in borrowing capital from the Social Policy Bank. Of these, 40 households borrow capital from the Rural Clean Water and Environmental Sanitation Program, 8 households from the Employment Program, 3 households from the Poverty Escape Program, and 1 household from the Poor Household Program.

Every month, the Savings and Loan Group led by Mr. Bui Van An regularly organizes propaganda on policy credit loan contents and programs through many channels such as direct mobilization in residential areas, village meetings, through Associations, groups on Zalo, Facebook... Any households in need will be supported by the Group with information and transactions.

"We work with the spirit of serving the people first. During our operations, we always strive to support people to conduct transactions well and use capital for the right purposes. When loans are used effectively, people are also excited," Mr. An added.

Egg-laying chicken farming model of Mr. Vu Van Yen's family - a good farmer and business household in Minh Hoa commune, Kinh Mon town, Hai Duong province.

Up to now, through monitoring, households have participated in transactions on time. In the village, there are no cases of overdue or bad debt. From policy credit capital, many households have improved their lives and prospered. Typical examples include Ms. Hoang Minh Sang's household with a livestock and crop conversion model; Ms. Vu Thi Tai with an aquaculture model...

Minh Hoa Commune currently has 5 Savings and Loan Groups managed by the Minh Hoa Commune Farmers' Association. As of March 9, 2025, the commune has 295 households borrowing capital with an outstanding debt of about 9.9 billion VND.

Talking to Dan Viet reporter, Ms. Do Thi Yen - President of Minh Hoa Commune Farmers' Association (Kinh Mon town, Hai Duong province) said: With the role of a "bridge" receiving the trust of Kinh Mon Town Social Policy Bank, the Commune Farmers' Association has promptly implemented policy credit loan programs, while effectively managing preferential loan capital.

The policy loan capital has created conditions and motivation to encourage farmer members to boldly invest, actively produce, improve labor productivity, product quality, and transform agricultural production structure. Households borrowing capital from the Savings and Loan Groups managed by the Farmers' Association always strictly comply with monthly interest payments and principal repayments when due.

In the coming time, the Farmers' Association will continue to coordinate well with the Kinh Mon Town Social Policy Bank to direct the branches and groups of the Association to promote propaganda and dissemination of the State's preferential credit policies to farmer members; grasp the operation situation of the Savings and Loan Groups, promptly consolidate ineffective group leaders; remind the groups to properly implement the operating regulations, fully participate in monthly commune meetings; conduct checks on households borrowing according to the set plan...

In 2024, the Farmers' Association of Hai Duong province coordinated and guaranteed with the Bank for Agriculture and Rural Development and the Bank for Social Policies to lend capital to 32,543 farmer households to develop production and business. The total outstanding loan balance is 3,156 billion VND. Of which, the outstanding loan balance of the Bank for Social Policies is 1,569.5 billion VND for 26,262 households.

Source: https://danviet.vn/ba-ba-con-dac-san-nuoi-thanh-cong-o-mot-xa-cua-hai-duong-nong-dan-tiet-lo-nguon-von-dau-tu-20250324112502053.htm