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Client success stories

  • Concessional Loans Empower Veterans to Pursue Economic Opportunities 12-08-2026, 10:02 am
    Concessional Loans Empower Veterans to Pursue Economic Opportunities
    From coffee plantations in Krông Nô to commercial eel and frog farming models in Bảo Lộc and Bảo Lâm areas, policy-based credit is becoming a cornerstone for many veterans in Lâm Đồng to boldly invest in production and economic development. Accompanying this capital is the "bridging" role of the Veterans' Association at all levels, helping members gradually increase their income, stabilize their lives, and prosper in their homeland.
  • Policy credit role as a "lever" in achieving sustainable poverty reduction and ensuring social security 11-08-2026, 3:03 pm
    Policy credit role as a "lever" in achieving sustainable poverty reduction and ensuring social security
    Despite economic difficulties, the Quỳnh Lưu branch of the Vietnam Social Policy Bank proactively followed the Party's guidelines and closely coordinated with the local authorities to expand credit scale in the first six months of 2026. Preferential capital was delivered to the right beneficiaries, affirming its important role as a "lever" in promoting the economy, achieving sustainable poverty reduction, and ensuring social security in the area.
  • HCMC residents benefit from social policy credit 11-08-2026, 2:58 pm
    HCMC residents benefit from social policy credit
    Social policy credit has provided vital capital to thousands of poor and near-poor households in HCMC, allowing them to start or expand business, generating employment opportunities for tens of thousands of workers.
  • Customer success stories from policy credit 11-08-2026, 10:18 am
    Customer success stories from policy credit
    Mr. Nguyen Ngoc N., from Ngoc Van village, Truong Van commune, is one of the successful examples of utilizing preferential loan capital. After serving his prison sentence and returning to his hometown, with the desire to rebuild his life, he was determined to revive his family's traditional sedge cultivation. Lack of investment capital was the biggest difficulty he faced in the initial stages of production development. With guidance from the local government, the police force, and VBSP
  • Policy credit contributes to livelihood resilience 11-08-2026, 10:11 am
    Policy credit contributes to livelihood resilience
    In the Kien Hai island region, the network of transaction points of the Vietnam Bank for Social Policies (VBSP), located at the headquarters of the former and current commune People's Committees of Hon Tre, An Son, Lai Son, and Nam Du, has been operating regularly for a long time. Most poor households, near-poor households, and other eligible policy beneficiaries have been able to borrow state-funded policy loans easily.
  • VBSP Loans Help Former Offenders Rebuild Their Lives in Dak Lak 05-08-2026, 9:46 am
     VBSP Loans Help Former Offenders Rebuild Their Lives in Dak Lak
    For people who have completed their prison sentences, what they often need most is not only understanding and acceptance, but also an opportunity to start over. Through the Government's preferential credit policy under Decision No. 22/2023/QD-TTg, the Vietnam Bank for Social Policies (VBSP) is providing that opportunity, helping former offenders develop livelihoods, stabilize their lives, and successfully reintegrate into society.
  • Policy credit give those who have gone astray a chance to turn their lives around 04-08-2026, 4:55 pm
    Policy credit give those who have gone astray a chance to turn their lives around
    Many people who have completed their prison sentences have been able to stabilize their lives and engage in legitimate business activities after receiving loans under Decision No. 22/2023/QD-TTg of the Prime Minister (referred to as Decision No. 22). This has contributed to the effective implementation of social prevention work, ensuring security and order, and serving socio-economic development in the area.
  • Delivering preferential capital to the right recipients contributes to creating livelihoods 29-07-2026, 4:04 pm
    Delivering preferential capital to the right recipients contributes to creating livelihoods
    Social policy credit funds have proven to be practically effective, helping many households in Tien Phuoc commune confidently invest in economic development, contributing to the effective achievement of sustainable poverty reduction goals and the construction of new rural areas.
  • Typical example of good production and business 19-09-2022, 9:12 am
    Typical example of good production and business
    (VBSP News) In recent years, in many areas across Ba To district (Quang Ngai), there have appeared a number of diversified and effective economic development models and many examples of farmers who are dynamic, dare to think, dare to do, industrious, creative, step by step rise to get rich righteously. Mr. Pham Van Hoa in Go Ret village, Ma Nghit, Ba Cung commune is one such person.
  • Young people developed a model business of growing cantaloupe in the membrane house 19-04-2022, 9:05 am
    Young people developed a model business of growing cantaloupe in the membrane house
    (VBSP News) In order to create favourable conditions for officials, union members and young people to visit models of applying high science and technology in agricultural production, the Youth Union of Tan Bien District (Tay Ninh) has organized a visit to model of growing cantaloupe in the membrane house by Nguyen Tuan Kiet. He was born in 1989 at Trai Bi hamlet, Tan commune Phong, Tan Bien district.
  • Helping borrowers effectively use policy capita 29-03-2022, 2:24 pm
    Helping borrowers effectively use policy capita
    (VBSP News) Every month, Mr. Pham Van Khanh - Leader of the Savings and Credit Group in Tin Nghia Hamlet, Xuan Thien Commune, Thong Nhat District (Dong Nai) receives about VND 1 million. However, this is not what has kept the nearly 70-year-old man attached to the role for the past 14 years.
  • Using policy credit to escape poverty 22-03-2022, 9:30 am
    Using policy credit to escape poverty
    (VBSP News) Over these years, the movement of women escaping poverty launched by the Women's Union of Nam Dan district (Nghe An) has achieved many promising results. In which, there have been many advanced of adequately business models, which contribute to local socio-economic development. Following is a story of Dang Thi Nu in the Women's Union of Trung Can hamlet, Trung Phuc Cuong commune.
  • Communist Party of Vietnam’s 92nd founding anniversary: a dedicated party member 14-02-2022, 3:39 pm
    Communist Party of Vietnam’s 92nd founding anniversary: a dedicated party member
    (VBSP News) “Exemplary, dedicated” are words to describe Mr. Nguyen Van Minh - Head of the Veterans' Association, cell secretary and the leader of Savings and Credit Group.
  • Women enjoy business success despite challenges of the COVID-19 pandemic 18-01-2022, 3:32 pm
    Women enjoy business success despite challenges of the COVID-19 pandemic
    (VBSP News) Running a small business during the COVID-19 pandemic is a challenge for many people but it has provided a stable income for some women in the Mekong Delta city of Can Tho’s Ninh Kieu District.
  • Increasing income from planting Marigold 24-11-2021, 10:25 am
    Increasing income from planting Marigold
    (VBSP News) Trinh Thi Soc Sa Ra, a resident in Cau Tre village, Long Thoi commune, Tieu Can district (Tra Vinh), is considered as a hard-working and positive woman. Due to her dedication to plant marigold on special occasions such as Tet, Sa Ra is not only busy at that time but also increases her income.
  • Policy credit helps women take control of their lives 23-11-2021, 4:02 pm
    Policy credit helps women take control of their lives
    (VBSP News) Many rural women in remote, isolated and extremely difficult areas share the same desire to rise up and make their own lives. In particular, many people have started their businesses with VBSP’s preferential loans, gradually overcoming difficulties, confidently taking control of their lives and thriving in poor rural areas.
  • Pattern leader of Saving and Credit group 15-11-2021, 2:12 pm
    Pattern leader of Saving and Credit group
    (VBSP News) As a group leader of the Saving and credit group for over 10 years, Nguyen Thi Tan at hamlet 2, Thanh Huong commune, Thanh Chuong district (Nghe An province) is an exemplary officer. She is always dedicated to the association's work and completes the task of managing policy credit sources in her area.
  • Start up with preferential loans 12-11-2021, 4:12 pm
    Start up with preferential loans
    (VBSP News) Choosing stone blocks as a starting point for starting up a business, Nguyen Quoc Bong at An Phu village, Thanh An commune, Thanh Chuong district (Nghe An province) has created sculpture art and high-class tiling products made from stone, which enriching right in his homeland. Not only that, but he also kept the fire of passion and created stable jobs for many workers.
  • Escape poverty due to the preferential loan 08-11-2021, 2:16 pm
    Escape poverty due to the preferential loan
    (VBSP News) Thanks to the policy credit fund, an increasing number of ethnic minority groups in Quy Hop (Nghe An) have escaped poverty and stable their lives. Following is a success story of Ms. Truong Thi Dieu Linh, a resident in Tan Mung hamlet, Tam Hop commune, Quy Hop district, who has overcome difficulties and escaped poverty.
  • An exemplary leader in implementing the preferential credit 27-10-2021, 10:15 am
    An exemplary leader in implementing the preferential credit
    (VBSP News) Farmers' Association in Phuoc Dong commune, Go Dau town (Tay Ninh) is managing 13 savings and credit groups, with 497 active borrowers, with total outstanding loans of VND 11,086 billion. The groups strictly followed the credit process of VBSP, in which, the most notable was the Savings and Credit group in Cay Trac Hamlet, led by Duong Van Rum (born in 1964).
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PHOTO ARTICLES

LENDING INTEREST RATE

Poor Households

Lending to poor households 6,6%/year
Lending to poor households in 64 poor districts as stipulated by the Government Resolution No.30a in 2008 3,3%/year

Near Poor Households

Lending to near poor households 7,92%/year

Students

Lending to disadvantaged students 6,6%/year

People in need of loans for job creation

Lending to business establishments owned by war invalids and handicapped persons 3,3%/year
Others...

DEPOSIT INTEREST RATE

Term Deposit Rate
Overnight 3,04%/year
1 week 3,23%/year
2 week 3,5%/year
Others...