Considered the "midwife" of poor households and policy beneficiaries, from the beginning of 2024 until now, policy credit capital has continued to promote its effectiveness, accompanying and supporting tens of thousands of households in the province to have the conditions to invest in production and business development. Thereby, contributing significantly to sustainable poverty reduction and ensuring social security in the province.
With the determination to "leave no one behind" on the journey of poverty reduction, social policy credit programs are considered a deeply humane policy, helping tens of thousands of poor households benefit from policies and stabilize their lives.
Ms. Luong Thi Lien, a Thai ethnic, in Hop Nhat village, said: With 50 million VND in preferential loans from the near-poor household program of the Thuong Xuan District Social Policy Bank (THBSP), my family has been able to buy more breeding buffaloes and plant forests. From the loan, my family has had a stable source of income and escaped poverty sustainably.
With 14 preferential credit policy programs, up to now, the total outstanding debt at the Thuong Xuan Social Policy Bank has reached more than 700 billion VND, an increase of more than 110 billion VND compared to the beginning of the year with nearly 11,500 households still borrowing capital, the average outstanding debt reached 60.4 million VND/household. The capital has helped thousands of poor households and key subjects invest in livestock development, service business and strive to get rich. According to a fixed schedule, regardless of Saturday or Sunday, the staff of the Thuong Xuan Social Policy Bank are present at the commune transaction points to disburse, collect debts, collect interest and carry out other transactions according to regulations, in order to create the most favorable conditions for poor households and policy subjects who need and are eligible to borrow capital.
Social policy credit programs have recently been spread and covered throughout the province, becoming one of the fundamental and key solutions to help reduce poverty quickly and sustainably. Policy credit capital has been allocated to 100% of villages, neighborhoods, communes, wards and towns across the province, helping the poor and policy beneficiaries access capital conveniently and promptly. Socio-political organizations at all levels have seriously and fully implemented the assigned tasks, closely coordinated with the Vietnam Bank for Social Policies and local authorities in managing, consolidating and improving the quality of social policy credit.
By the end of October 2024, the total outstanding debt of policy credit programs in the province reached nearly 14,600 billion VND with more than 250,000 poor households and other policy beneficiaries still having outstanding debt. In the first 10 months of 2024, social policy credit capital supported investment in production and business, creating jobs for more than 8,500 workers, of which more than 500 workers went to work abroad for a limited period and more than 252 people who had completed their prison sentences had jobs; helped nearly 1,800 students in difficult circumstances borrow money to study; built, renovated and upgraded more than 56,000 clean water and sanitation works in rural areas; Support the purchase, construction, repair and renovation of 108 social housing units for policy beneficiaries, contributing to economic stability and development, ensuring social security, successfully implementing preferential credit investment tasks of the National Target Programs on sustainable poverty reduction, new rural construction and socio-economic development in ethnic minority and mountainous areas.
To contribute to the effective implementation of policies, strategies and sustainable poverty reduction goals, ensuring social security in the area, Thanh Hoa Social Policy Bank is continuing to promote propaganda activities, increase the mobilization of savings deposits from the community, at commune transaction points to supplement loan sources for poor households and other policy beneficiaries. Strictly implement the loan evaluation process at savings and loan groups to ensure publicity, transparency, and full participation of participants in meetings according to regulations. Focus on pre-lending supervision to ensure that borrowers are beneficiaries, have sufficient conditions for loans, and have effective loan use plans. At the same time, Thanh Hoa Social Policy Bank coordinates with political and social organizations to organize training for staff performing the task of entrustment, focusing on newly issued credit policies, especially methods of inspection and supervision according to plan; improve operational efficiency at commune transaction points and savings and loan groups. In addition, it is necessary to organize well transaction activities in communes, wards and towns, operate well the professional mechanisms as well as transaction software to ensure preferential loans reach the right subjects, promptly and effectively.
Article and photos: Khanh Phuong
Source: https://baothanhhoa.vn/ba-do-cua-ho-ngheo-va-doi-tuong-chinh-sach-228746.htm
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