The journey of "reaping sweet fruits" from policy credit capital in Hai Lang

Social policy credit is one of the major policies of the Party and the State, with a profound humanitarian spirit aimed at eliminating hunger, reducing poverty, providing capital support for low-income households with many difficulties to rise up, contributing to ensuring social security. Through more than 20 years of implementing preferential credit policies for the poor and other policy subjects and more than 10 years of implementing Directive No. 40-CT/TW dated November 22, 2014 of the Central Party Secretariat on strengthening the Party's leadership over social policy credit (Directive No. 40) in Hai Lang district, it can be seen that social policy credit has become a "bright spot" and a "pillar" in the system of poverty reduction policies, contributing significantly to helping the locality effectively achieve the goal of eliminating hunger, reducing poverty, ensuring social security and building new rural areas.

Lesson 1: Awakening the desire to escape poverty

In the journey of building and developing Hai Lang homeland, the aspiration to escape poverty has been awakened by the practical policies of the Party and the State, including Decree No. 78/2002/ND-CP of the Government on policy credit for the poor and other policy beneficiaries and Directive No. 40-CT/TW of the Central Party Secretariat. Thanks to a large capital source and a system of 253 savings and loan groups operating in 71 villages, hamlets and residential areas, the Transaction Office of the Social Policy Bank (SPB) of Hai Lang district has focused on mobilizing resources, promptly and safely transferring preferential capital to the right beneficiaries, contributing to the successful implementation of the sustainable poverty reduction program and completing the criteria for building the district to meet new rural standards.

“ Give fishing rods” to develop the economy

Present at the Hai Khe Commune People's Committee Hall on the regular transaction session on February 18, 2025, we saw the joy and excitement of the people when coming to transact and complete procedures to access preferential loans. For Mr. Tran Van Tuyen's family, in Tham Khe village, this transaction session was a very special day because this was the third time he and his wife came to complete procedures to access policy capital from the Hai Lang District Social Policy Bank Transaction Office to preserve and develop the traditional net weaving profession of their family and hometown.

Mr. Tuyen said that the first time was in 2022, from the 50 million VND loan from the job creation loan program of the Vietnam Bank for Social Policies, he had more resources to improve the net weaving frame, and at the same time buy some new tools and materials with the determination to preserve the traditional profession. By 2024, after fully paying the principal and interest on time for the 50 million VND loan, Mr. Tuyen's family continued to receive an additional 100 million VND from the job creation loan program to expand the consumption market, reserve raw materials and goods to develop production and business activities.

Thanks to access to preferential loans from the Bank for Social Policies, Mr. Tran Van Tuyen, in Hai Khe commune, Hai Lang district, has more conditions to preserve and develop the traditional net weaving profession - Photo: HT

“Previously, using a hand-loom, the steps were almost all done manually, which was very hard work, but each day we could only weave about 15 meters of mesh; now, with the same loom, but after improving it and adding a motor to make the machine run faster, my wife and I can weave more than 150 meters of mesh each day, 10 times more than before.

With the current selling price, after deducting expenses, my wife and I earn an average of 200,000 - 300,000 VND per day. In addition, when sticking with the traditional profession, the pressure of environmental issues requires us to have a long-term solution. Therefore, today, our family continues to apply for a loan to solve clean water and environmental sanitation problems to invest in wastewater and environmental treatment processes at the household level, contributing to ensuring environmental issues in the craft village," Mr. Tuyen shared.

As for Ms. Pham Thi Quynh Phuong, in Hamlet 1, Dien Sanh town, to have a stable life like today, she will never forget the help of the staff of the Social Policy Bank and members of the local savings and loan group.

Ms. Phuong confided: “After 15 years of working abroad, I have always cherished the dream of one day bringing industrial sewing to my village to develop the family economy and create jobs, increasing income for members and women in my hometown. In March 2018, that dream became a reality when, in addition to the small amount of money I had saved, I was also supported with a loan from the VBSP’s job creation program of 50 million VND to put into operation the Quynh Phuong sewing facility.

Through many ups and downs and hardships, the facility has gradually operated effectively, creating stable jobs for 20 local female workers with an income of 5-9 million VND/month. From the initial 5 sewing machines, up to now, the facility has expanded its area 3 times with over 20 sewing machines operating at full capacity to complete orders on time and according to the requirements of partners.

Thanks to effective business, I have more conditions to take better care of the lives of workers, especially women in difficult circumstances who are often sick and ill. I hope that in the future, I will continue to have access to more preferential loans from the VBSP to help many local workers have jobs and stable incomes right at home."

Quynh Phuong garment processing facility in Hamlet 1, Dien Sanh town, Hai Lang district operates effectively and has created more jobs for many local female workers - Photo: HT

These are just two of many households in Hai Lang district that have escaped poverty and become rich legitimately thanks to the support of social credit capital. With the motto "Not leaving the poor and vulnerable behind", policy capital has truly entered life, positively affecting the poor, distributed to 100% of communes and towns in the whole district, helping the poor and policy beneficiaries access capital conveniently and promptly, gradually stabilizing their lives and becoming well-off.

Realize the dream of settling down and educating children

The effectiveness of policy credit is not only economic value but also social problems are solved, the daily essential needs of a large number of poor and disadvantaged people have been gradually improved and enhanced.

As for the situation of Phan Thi Hue and her children in Hamlet 1, Dien Sanh town, policy credit capital has given strength to poor but studious students to confidently enter university.

Her eyes sparkled with hope when mentioning her two sons, Ms. Hue shared: “In 2020 and 2023, my children Duong Viet Anh Dung and Duong Viet Hung received their admission notices to Da Nang University of Technology. Being from a poor family, my husband died early due to a serious illness, I did not dare to share the joy with my children because for me, daily meals of vegetables to feed my children were already a big burden, so how could I afford to pay for their education expenses throughout their time at university.

While struggling and not knowing where to turn, my children and I were overwhelmed with happiness when we were introduced and supported to access preferential loans for students from the Transaction Office of the Social Policy Bank of Hai Lang District with a total amount of over 100 million VND to support our children's education. Currently, Dung is in his 5th year of university, and Hung is in his 2nd year.

Although my family’s circumstances are still very difficult, I believe in a brighter tomorrow because my children are growing up, being obedient and always determined to study hard so that after graduating from school, they will have stable jobs and pay off their debts to the bank on time. My family, like other poor families, is very grateful for this humane policy. Because without that source of capital, our children’s studies at university or college will be very difficult and can “break down” at any time...”.

Transaction Office of the Social Policy Bank of Hai Lang district disburses loans to people of Hai Khe commune - Photo: HT

This moment is also the most meaningful and happiest milestone for the family of Ms. Tran Thi Thanh Nhan, in Hamlet 3, Dien Sanh town, because the family's dilapidated level 4 house has now been "transformed" into a new, spacious house of nearly 160 m2 that has just been completed. It is known that Ms. Nhan and her husband are both teachers, have low incomes, and need to build a new house, so in early 2024, the district's Social Policy Bank disbursed a social housing loan program of 500 million VND, with a loan term of 15 years.

Ms. Nhan confided: “Previously, my husband and I looked into many loan packages from commercial banks, but the interest rates were high, so we had to put aside the idea of ​​building a house. The social housing loan program of the Vietnam Bank for Social Policies is very reasonable and humane, giving my family the opportunity to build a decent house. With a new house, my children have their own space to study and play, all family activities are more convenient, with a stable place to live, I can also work with peace of mind.”

As the last district of Quang Tri province to be liberated after the war, Hai Lang had an extremely low starting point. This is a land of monoculture rice with more than 2/3 of the area in low-lying areas, production is completely dependent on the weather. Natural disasters occur frequently, infrastructure is lacking, and people's lives face many difficulties.

Faced with that reality, the Party Committee, government and people of the entire district have sought appropriate solutions to sustainably reduce poverty, gradually improve the material and spiritual life of the people, including the strong and extensive implementation of Decree No. 78/2002/ND-CP of the Government on policy credit for the poor and other policy beneficiaries and Directive 40-CT/TW of the Secretariat on strengthening the Party's leadership over social policy credit.

The effectiveness of policy credit capital has aroused internal strength and truly become an effective tool, contributing to helping localities achieve many impressive results in economic development, ensuring social security and building new rural areas.

Ha Trang - Thanh Truc

Lesson 2: To ensure timely and effective transfer of policy capital

Source: https://baoquangtri.vn/hanh-trinh-gat-qua-ngot-tu-von-tin-dung-chinh-sach-o-hai-lang-191910.htm