In recent years, the Social Policy Bank, Ninh Thuan branch, has implemented many solutions to simplify loan procedures, creating favorable conditions for poor households, near-poor households and other policy beneficiaries in the area to access preferential credit sources...
During our business trip to Ninh Thuan, we visited Ninh Hai district. This is a locality located in the eastern part of the province, known for its rich nature and diverse cultural heritage, beautiful natural landscapes such as Vinh Hy bay, Ninh Chu beach...
Following the credit officer of the Social Policy Bank Transaction Office in Ninh Hai District, we visited the house of Ms. Nguyen Thi Kim Chinh in Nhon Hai Commune - one of the households that borrowed capital from the Social Policy Bank and did business effectively in the locality. Ms. Chinh said that in the past, her family's life faced many difficulties, then thanks to a loan of 70 million VND from the job creation program, her family invested in a purple onion growing model. Recently, her family sold the purple onion crop for nearly 150 million VND, after deducting all expenses, the profit was more than 40 million VND.
It is known that a local onion harvest only lasts about 2 months. In addition, onion prices are high in the market, so the life of Ms. Nguyen Thi Kim Chinh's family as well as many onion growing families in Nhon Hai commune is clearly improving.
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| Policy credit has been playing its role in Ninh Thuan province. |
Also in Ninh Hai district, following a small winding road close to the sea, we visited the grape growing model with a loan from the Social Policy Bank of Ms. Doan Thi Hiep in Vinh Hai commune. It is known that Ms. Hiep is a household borrowing capital under the poverty alleviation program with an amount of 50 million VND. Ms. Hiep said that with this capital, her family has invested all of it in the green grape growing model, a traditional crop in the locality. Up to now, after many times of expanding the area, the family has a vineyard of nearly 2,500 m2, providing a stable annual income. Thanks to that, the family's life has escaped poverty, gradually rising up...
Mr. Nguyen Van Hong, Director of the Transaction Office of the Social Policy Bank of Ninh Hai District, said that in recent times, the unit has strengthened coordination with associations and organizations that receive the trust to review the subjects in need when they meet the conditions to access loans according to regulations; organize public posting of lending policies so that people can grasp and develop plans to further accelerate lending programs. At the same time, the unit also actively advises the District People's Committee to balance the local budget entrusted to the bank; strengthen inspection and supervision activities, orient borrowers to invest in the right focus, key points, improve the efficiency of loan use...
Similarly, in the neighboring district of Thuan Bac, access to preferential capital sources for economic development, vocational training and job creation for rural workers is also being focused on and implemented, aiming to improve people's lives and towards sustainable poverty reduction in the locality.
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| Loan model for growing purple onions of Ms. Nguyen Thi Kim Chinh in Nhon Hai commune, Ninh Hai district. |
According to the representative of the Transaction Office of the Social Policy Bank of Thuan Bac district, identifying social policy credit as one of the practical tools, contributing to the implementation of the national target program on sustainable poverty reduction, job creation, social security and new rural construction, in the process of transferring loan capital, the unit constantly improves professional activities, coordinates with local authorities to well perform the work of reviewing and grasping people's loan needs; focuses on improving the quality of activities of entrusted associations, unions, savings and loan groups, and commune transaction points to bring preferential capital from the Government to people, especially ethnic minorities, quickly and promptly.
Thanks to the synchronous implementation of support policies, the material and spiritual life of the people has changed significantly; the poverty rate in ethnic minority areas in Thuan Bac has decreased by an average of over 5% annually and in mountainous areas by 3.67%...
In order to spread the role of policy credit in the locality, from the beginning of 2024 until now, the Social Policy Bank, Ninh Thuan branch has promptly reported to the Provincial People's Committee, advised the Head of the Representative Board - Board of Directors to assign targets to districts and cities, and at the same time directed affiliated units to actively coordinate with local authorities, associations and unions to receive the authorization to review loan recipients to ensure compliance with regulations, speed up the disbursement of credit programs according to assigned targets, promptly meet the borrowing needs of poor households and other policy beneficiaries to invest in production and business.
In the first quarter of 2024, the branch's loan turnover reached 331.9 billion VND/7,017 households; debt collection turnover reached 223.6 billion VND.
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| With a loan of 50 million VND, Ms. Doan Thi Hiep in Vinh Hai commune, Ninh Hai district invested in growing green grapes. |
In particular, in order to facilitate people's access to preferential capital sources, in parallel with innovating the loan approval and appraisal process, the Social Policy Bank, Ninh Thuan branch, also pays attention to and focuses on building and improving the quality of operations of transaction points in communes. Accordingly, political and social organizations at all levels continue to strengthen good coordination with the Social Policy Bank in effectively and orderly implementing transactions at 65 commune transaction points, and publicly disclosing the contents of social policy credit.
The branch has also been fully equipped with necessary machinery and equipment, information, creating favorable conditions for people to come to transact on fixed days every month, disbursing quickly, promptly, and to the right subjects; urging debt and interest collection... contributing to improving the efficiency of social policy credit capital in the whole province; the quality of savings and loan groups has been basically maintained stable with 1,622 groups operating effectively.
Ms. Dam Thi My Chinh, Head of the Savings and Loan Group in Nhon Hai Commune (Ninh Hai), said that at the commune transaction points, all new preferential credit policies and programs are publicly and fully posted so that people can easily grasp them; at the same time, the group leaders hold meetings with credit officers to discuss the loan situation as well as difficulties and problems, thereby finding timely solutions.
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| Model of borrowing capital from the Social Policy Bank, investing in livestock farming in Thuan Bac district. |
In 2024, the Board of Directors of the Social Policy Bank, Ninh Thuan branch, set a target of exceeding the target of capital mobilization plan from local budgets, capital from organizations, individuals, savings and loan groups. Strive to complete over 99% of the assigned growth plan, the overdue debt ratio of the whole province is lower than in 2023 and lower than the national average; 100% of communes, wards and towns are classified as having good credit quality or higher, the number of borrowers participating in savings deposits reaches over 98%...
To achieve the above goal, Mr. Le Minh Loc, Director of the Social Policy Bank, Ninh Thuan branch, said that in the coming time, the unit will continue to direct the implementation of social policy credit programs in a timely and effective manner; focus on accelerating the disbursement progress to beneficiaries according to the assigned growth targets, linking credit growth with improving credit quality.
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| Many families in Ninh Thuan have escaped poverty thanks to preferential credit sources. |
At the same time, regularly review, consolidate and improve the system of savings and loan groups, continue to improve the quality of commune transaction activities; credit quality in the commune; effectively manage and handle risky debts due to objective reasons in accordance with regulations...
In particular, according to Mr. Le Minh Loc, in order to increase resources for social policy credit, local authorities continue to pay attention to and prioritize the arrangement of provincial budget trust capital in 2024 to supplement loan capital, at the same time this is also the basis, the counterpart source for the branch to submit to the Central Government to supplement loan capital to create jobs, develop production and business, stabilize livelihoods, contribute to the good implementation of 3 national target programs in the locality, and at the same time prepare well for the organization of the Conference to summarize 10 years of implementing Directive 40-CT/TW of the Secretariat, in which the focus is on local budget capital to strengthen social policy credit in the locality.
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