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Updated: 2024-04-12 11:01:40

Motivation from preferential policy credit

Thanks to policy credit from VBSP, along with their own efforts, many women in mountainous districts in Binh Dinh province have boldly invested in production and business. Therefore, they have become key people to help their families have better lives in the future.


Thanks to boldly borrowing money from VBSP, Ms. Le Thi Leo has 8 hectares of green acacia

Boldly change

Rising from a poor household, Ms. Le Thi Leo's family (in Suoi Da village, Canh Hiep commune, Van Canh district) has now built a house, opened a grocery store and planted 8 hectares of hybrid acacia trees. Previously, in 2021, from information from the Village Women's Union, Ms. Leo accessed policy credit and was loaned VND 100 million by the district VBSP. Since then, she planted 8 hectares of hybrid acacia, and has now partially harvested it with an income of more than VND 200 million. From the proceeds, Ms. Leo not only paid off the loan to the bank but she also repaired her old house and opened a grocery store to serve local people.

According to Ms. Leo, in the past, when she did not have access to preferential credit, she could only grow cassava, acacia, and grass on rent, leading less money. “When I borrowed VND 100 million from VBSP, I tried my best to repay money to the bank. I used the profit from selling acacia to reinvest and save apart. For the money I earned from groceries, I covered my daily life. Thanks to that, my family got out of poverty and I also encouraged my daughter to borrow money from VBSP for her economy development. Currently, our lives have been much better", Ms. Leo shared.

Ms. Dinh Thi Pin (in village 4, An Hung commune, An Lao district) boldly borrowed money from the district VBSP to grow acacia, and at the same time, she converted ineffective cassava crops to growing grass to raise hybrid cows. With her first profit, she reproduced. Currently, in addition to 5 acacia fields with 6,000 - 8,000 acacia trees each field, she also raises 5 hybrid cows and 20 sows. Thanks to that, her life is gradually stabilized.

Ms. Pin said: "10 years ago, I took a loan from VBSP with the amount of VND 30 million to plant 2 hectares of acacia. I tried my best and worked hard, then I paid off the debt to the bank and had stable income. Many women in the village also gradually boldly changed to have their lives much better".

Support for family

As a mother with immense love for her children, no matter how the situations are, she tries to rise up to give her children a better life. Ms. Dinh Thi Hay (in Ha Ri village, Vinh Hiep commune, Vinh Thanh district) is known as a resourceful and capable woman. She and her husband take care of 6 cows, 2 sows, 20 pigs, 7 hectares of acacia, 3 acres of fruit trees. In addition, she also grows upland rice, wet rice and beans.

Ms. Hay has 2 children, her eldest daughter is married, her younger son is in 11th grade. To help her daughter have a more stable life, Ms. Hay created conditions for her child to open a grocery and beverage shop at home.

5 years ago, Ms. Dinh Thi Pin divorced her husband. All the works in her family, including raising her children are all handled by her. According to Ms. Pin, as a mother, she always tells herself to try her best to have better life. After graduating from high school, the eldest son had a stable job at a seafood company in Quy Nhon City. Her young child is in 7th grade. She always encourages her son to study well. Ms. Pin must be an exemplary mother.

“A mother's lifestyle greatly affects her child. I think if I live responsibly and work hard, my children will also learn that. Therefore, I not only try to ensure finance to take care of my child, I also set an example to motivate my child," Ms. Pin confided.

Thao Khuy



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


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


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