07:12, December 14, 2023
For over 20 years, savings and loan group (SLC) staff have been considered the "extended arm" of the Vietnam Bank for Social Policies (VBSP), contributing to the effectiveness of credit capital.
Close, intimate
Accompanying the People's Credit Fund since its early days, over the past 20 years, Ms. Nguyen Thi Hong Tham (Doan Ket residential group, Lien Son town, Lak district) is known as the head of the TKVV group, close to and attached to the borrowers.
Previously, Ms. Tham was a teacher. After retiring, she was elected by the people to be the Head of the Women's Association and also the Head of the TKVV Group in the residential group. In the early days of getting used to the job, she encountered many obstacles. At that time, the residential group had only 60 households, all of whom were poor and in need. Although there was a source of loans with preferential interest rates, people were not interested because everyone was afraid of not being able to repay.
She “went to every alley, knocked on every door”, even rolled up her sleeves and worked with the people in the fields to propagate and explain to them the benefits of having capital to do business and change their production mindset. Thanks to that, the first 5 households whose thinking was “cleared” boldly borrowed 500 thousand to 1 million VND to raise pigs, cows, etc. Gradually, many other households saw the effectiveness and proactively approached her to ask for support in borrowing capital.
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| Ms. Nguyen Thi Hong Tham (right) , Head of the Savings and Loan Group of Doan Ket residential group (Lien Son town, Lak district) collects monthly savings interest from people. |
When the group members received loans, she regularly followed up closely, encouraged the households to participate in training courses on cultivation and animal husbandry techniques, promoted the application of techniques in production and guided them in choosing suitable economic development models. Thanks to that, many group members who are poor households, near-poor households and other policy beneficiaries have risen up to escape poverty sustainably, and have regular and stable jobs.
Currently, the TKVV group she manages has 59 members, with a total outstanding debt of more than 4.1 billion VND. With all her heart for the poor, Ms. Tham is not afraid of difficulties and is always dedicated to the work of capital management. She confided: “Whenever the interest payment date comes and a household does not have money or is working far away and cannot return in time, I am willing to pay first and they will pay later, instead of urging them to use harsh words to keep the group members comfortable when borrowing capital. Thanks to that, for many years, the TKVV group I manage has not had overdue debt or outstanding interest. Most of the group members who borrow capital are conscious of paying interest and repaying debt on time, not allowing overdue debt or bad debt to occur.”
"The flag bearer" leading the borrower
For over 7 years, the TKVV team led by Ms. Lo Thi Buong (Quynh Ngoc village, Ea Na commune, Krong Ana district) has always promoted effective policy credit capital. In the early days of "getting into the swing" of the job, Ms. Buong encountered many difficulties in propagating to households to borrow capital. Although the Social Policy Bank has implemented many credit programs with preferential interest rates, not all households know about them, and those that do know are reluctant to complete the procedures and documents for borrowing capital.
In 2019, with the thought of "the cadres go first, the country follows", Ms. Buong decided to borrow credit capital for economic development, setting an example for other households to borrow. Accordingly, she borrowed 20 million VND under the Credit Program for households producing and doing business in difficult areas to grow 1 hectare of pepper. After nearly two years, the pepper garden has yielded a good harvest. Currently, this pepper garden yields 1 ton/year, selling for 68,000 - 70,000 VND/kg. From the income from selling pepper, she invested in planting 150 durian trees, 130 lychee trees, 6 sao of aloe vera, 5 sao of clean vegetables and raising 27 goats. Currently, from this comprehensive economic model, her family earns a profit of over 200 million VND/year.
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| Ms. Lo Thi Buong, Head of the Savings and Loan Group in Quynh Ngoc village (Ea Na commune, Krong Ana district) is a pioneer in borrowing capital to develop economic models for group members to follow. |
Thanks to her economic skills, she has supported women in the village in techniques for planting and caring for pepper plants, raising goats, growing aloe vera, etc. Since then, many women have learned from her and joined the TKVV group to borrow capital to invest in production, raising livestock, and developing economic models. Up to now, she has supported group members to borrow capital to implement 14 models of planting aloe vera, raising goats and wild boars, with a total amount of more than 620 million VND. Many families also spend more money to raise 70 - 80 goats. Thanks to that, the lives of people in the village have increasingly developed, many households have escaped poverty, and even become well-off.
In addition, as a village health worker, she regularly participates in population surveys and family planning propaganda sessions to grasp people's thoughts and aspirations about loan sources. From there, she makes recommendations to superiors so that borrowers who have the need and are eligible can access capital sources quickly and promptly. Ms. Buong confided: "My family often tells me to "eat at home, carry the prison and the village" because I am not afraid, willing to help, even do the loan documents and procedures for people. But for me, helping people access production and business loans quickly and promptly, thereby attracting more households to join the TKVV group to enjoy preferential policies and strive for economic development is joy and pride".
Currently, the TKVV group in Quynh Ngoc village, led by Ms. Buong, is considered one of the best-performing groups in Ea Na commune. From 17 initial members, with a loan of only 253 million VND, it has now grown to nearly 40 households, with a total capital of 1.9 billion VND.
Khanh Huyen
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