With the core values of “closeness, friendliness, efficiency”, Thanh Hoa Microfinance Institution (TCVM) is not only a place to provide financial services but also considered a companion to customers who are poor, near-poor, and disadvantaged households, bringing confidence and motivation to customers, especially women and low-income households in rural and mountainous areas.
Different from closeness, dedication and responsibility
In the current financial ecosystem, banks and financial institutions all focus on and concentrate resources on improving service quality, “taking customers as the center”, considering it a competition of reputation and brand. In the same flow, on the journey of construction and development, (TCVM) Thanh Hoa strives to provide practical and effective financial services, with a “close, friendly, and effective” approach.
One of the biggest differences that makes up the reputation, brand and success of Thanh Hoa Microfinance Bank is the way the credit officers work. They do not wait for customers to come to them, they proactively go to their homes, visit and directly advise each household. These credit officers are not only employees who provide loans, but also people who listen, sympathize and share difficulties with customers. Thanh Hoa Microfinance Bank's customers are poor, low-income, and disadvantaged households in society. Not afraid of difficulties or hardships, dedicated Microfinance Bank officers help customers complete loan applications, provide useful advice on how to use capital effectively, from building a household economic development model to expanding business or starting a business... Their closeness and friendliness have gradually eliminated the gap between a financial institution and its customers.
Unlike traditional banks that require customers to go to the transaction office to do loan procedures, receive capital, repay debts... Thanh Hoa Microfinance Organization brings all transactions right to the village cultural house, hamlet or convenient location near the customer. This is especially meaningful for people in remote areas, where travel conditions are difficult and transportation is limited. Bringing services to customers' places not only helps customers save time and money, but also creates convenience and peace of mind when working directly with credit officers right in their locality.
Recalling the first days of working in the mountainous district of Cam Thuy, Ms. Pham Thi Tuyen, a credit officer of the Thanh Hoa Microfinance Organization, confided: “Those were hot sunny days, winding, bumpy roads leading me from the small town to remote villages in the mountains and forests. Looking at the wild scenery, the roofs looming over the hills, I felt both excited and worried about what I would do to help the people here.”
From the nature of the operation and the target customers, Ms. Tuyen understands better than anyone that the work of a microfinance credit officer does not stop at the task of providing loans but also the journey of bonding, listening, sharing, and accompanying customers. The road to the village is not easy. On sunny days, the dust sticks to people, winding through each steep slope. On rainy days, the road becomes muddy, sometimes having to stop the car and walk a long distance to reach the people's house. Ms. Tuyen said: "Once, I went to a remote village to advise a household that wanted to borrow capital to develop livestock farming.
The heavy rain made the road muddy, my motorbike got stuck in the middle of the road. I had to leave my motorbike at a local house and walk more than 3km on the slippery muddy road to reach the customer's house. When I entered that small house, seeing their hopeful eyes, I forgot all my fatigue. That's what we, the TCVM staff, are most happy and proud of when the loan capital arrived on time, was used effectively to help customers realize their dreams."
When the cultivation bears "sweet fruit"
It is the difference in approach and service that has helped TCVM build trust and strong influence in the community. Poor, low-income, and disadvantaged people in society have little opportunity to access loans from commercial banks. But with TCVM, they have found a place to place their hope. Small but practical and timely loans have helped many households have capital for business and production, thereby increasing their income, escaping poverty, gradually improving their quality of life, and opening up a path for the future.
Ms. Bui Thi Ha in Thach Thanh district is a loyal customer who has gone through four loan cycles at Thanh Hoa Microfinance Organization. Ms. Ha said: “Before participating in the loan, my family was a poor household, living in the mountains far from other households. The family lacked capital for production but did not know where to borrow, nor did they have anything in hand to complete the loan procedures at commercial banks. Since Thanh Hoa Microfinance Organization came here, the loan officers did not require collateral, and guided me on how to use the loan effectively, how to save so that I could set aside a portion of my income to repay the loan. I participated in the loan to buy ginseng seedlings to plant. Every ginseng harvest season, my family has an income to continue investing and improving our lives. Just like that, my family's life has gradually improved. I am very happy and will continue to participate in the loan to expand the model further.”
The story of Ms. Bui Thi Ha is just one of tens of thousands of customers that Thanh Hoa Microfinance Bank provides loans to. From this foundation, many beautiful stories about the will to escape poverty and build a better life have been written. Microfinance Bank in general, and Thanh Hoa Microfinance Bank in particular, is not only an organization providing financial services, but also a close, humane model with a strong sense of community. The biggest difference of Microfinance Bank is its dedicated approach, flexible organization, and always putting the interests of customers first. The values that Microfinance Bank brings are not only in loan amounts or charity programs, but also in trust, timely support, and positive changes in life, contributing to bringing happiness to the poor, low-income, and disadvantaged people in society...
Article and photos: Hoang Linh
Source: https://baothanhhoa.vn/ngan-hang-tai-lang-231367.htm
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