In recent years, the implementation of the rural clean water and environmental sanitation (NS&VSMT) program through preferential loans from the Vietnam Bank for Social Policies (VBSP) has helped many rural households in the province to invest in new construction, renovation and upgrading of NS&VSMT works. Thereby, contributing to improving the environment, protecting health and improving the quality of life of rural people.
Mr. Vu The Son's family in Phu Tho village, Ha Lai commune (Ha Trung) has just built a private house with the money they have saved for many years. After building the new house, his family did not have enough money to build a toilet and clean water system. Thanks to a loan of 20 million VND from the NS&VSMT program of the Ha Trung Social Policy Bank, his family was able to build a toilet and connect to a tap water system for daily use.
Previously, Ms. Nguyen Thi Lanh's family in Tuong Van commune (Nong Cong) used well water for daily activities. However, the well water was contaminated with alum and often had a yellow scum, so it could not be used for drinking. With a capital of 20 million VND lent by the Nong Cong Social Policy Bank from the NS&VSMT program, her family invested in building a well system and a filter tank to ensure hygiene. Currently, each month, her family pays about 160,000 VND in interest and deposits savings through the village's savings and loan group to ensure adequate repayment to the bank.
These are two of tens of thousands of households in the province that have had access to preferential credit capital under the NS&VSMT program. To help people easily access policy capital, the Thanh Hoa Social Policy Bank has coordinated with sectors and localities, especially socio-political organizations that receive the trust, savings and loan groups to promptly disseminate changes in loan limits, beneficiaries, terms, and purposes of capital use for households borrowing from the NS&VSMT program.
The implementation process is carried out closely from the stage of reviewing people's loan needs, capital plans to loan implementation. Along with that, the bank also invests in technology infrastructure, digital transformation, administrative procedure reform, creating favorable conditions for people to access policy capital. In particular, from September 2024, the NS&VSMT program's capital has continued to be effective when the loan limit was increased to 25 million VND/project, instead of 10 million VND/project as before. By increasing the NS&VSMT program's loan limit, it has helped rural households have more resources to invest in new construction, upgrading, renovating and repairing clean water and sanitation works that meet standards. Thereby, it not only helps people improve their lives but also contributes to completing environmental criteria in new rural construction in localities.
According to regulations, the borrowers are households residing in rural areas that do not have water supply works, household sanitation works or have them but they are damaged and need to be newly built, upgraded, renovated, or repaired. Raising the loan amount for the NS&VSMT program is considered a practical policy, promptly meeting the needs of the people. Immediately after the decision took effect, Thanh Hoa Social Policy Bank organized timely disbursement to create favorable conditions for people, especially people in rural areas, to access and borrow capital at preferential interest rates. As of early November 2024, the outstanding debt of the NS&VSMT program in the province reached nearly 2,500 billion VND with 125,500 customers with outstanding debt, building more than 98,000 NS&VSMT works. The program not only creates conditions for households to invest in building new or renovating and upgrading clean water supply and sanitation facilities to improve the quality of life, especially for the poor, ethnic minorities, and people in remote areas, but also contributes significantly to the socio-economic development of localities, especially the completion of the criteria of the New Rural Development Program.
Rural water and sanitation is an indispensable need in the daily life of every family and is an important factor in protecting human health. This is also an important criterion in the National Target Program for New Rural Development. Therefore, in the coming time, Thanh Hoa Social Policy Bank will continue to actively coordinate with localities and socio-political organizations to continue to strengthen propaganda and dissemination of policies, creating favorable conditions for people in rural areas to access loans for the rural water and sanitation program, ensuring quick, timely disbursement, and in accordance with professional procedures.
Article and photos: Luong Khanh
Source: https://baothanhhoa.vn/them-nguon-luc-dau-tu-xay-dung-cac-cong-trinh-nuoc-sach-va-ve-sinh-dat-chuan-230175.htm
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