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Updated: 2022-11-23 15:23:00

Preferential credit supports for the poverty reduction program

(VBSP News) Over the past 20 years, the branch of VBSP in Ha Giang province has cooperated with local authorities at all levels to actively propagate guidelines and policies of the Party and Government on social policy credit; timely transferred preferential loans to the right beneficiaries.

In addition, the VBSP branch regularly consolidates, improves credit quality; supervises the review of borrowers; inspect, supervise and guide borrowers to use loans effectively, etc. As a result, credit quality is improved, people's living standards are gradually improved, significantly contributing to the realization of poverty reduction goals, job creation, new rural construction, and social security assurance in the locality.

Total outstanding loans of 18 credit programs of the branch after 20 years reached nearly VND 11 trillion. In which, lending to poor households is VND 4,379 billion with 268,682 borrowers; lending to near-poor households is VND 1,018 billion with 26,274 turns of households borrowing capital; lending to disadvantaged ethnic minority households is nearly VND 313 billion with 16,748 turns of households borrowing capital.

VBSP is the only credit institution in Ha Giang province with fixed transaction points at the commune levelPeople refer to the public list of guidelines and policies of the Party and the State on policy credit at the commune transaction pointAn officer of VBSP in Quan Ba ​​district instructs and explains loan procedures for customers at the commune transaction point Poor households and other policy beneficiaries in Bat Dai Son commune, Quang Ba district are disbursed loans at the transaction point

A meeting between VBSP, authorities at all levels, mass organizations at the transaction point of Bat Dai Son commune, Quan Ba ​​district

A meeting to select borrowers in Quan Ba commune, Quan Ba districtThe family of Ms. Hau Thi May and Mr. Va My Lu, H'mong ethnic group in San Tru village, Bat Dai Son commune, Quan Ba ​​district borrowed loans from the VBSP's poor household program to invest in raising cattle and growing crops in the mountains. As a result, the family has a job, develops the family economy, and increases their income

Taking advantage of the preferential loans of VBSP, the family of Mr. Hau Sao Vu, H'mong ethnic group in Bat Dai Son commune, Quan Ba ​​district has developed breeding cows, improved his income, and has the opportunity to rise out of poverty

With the support of the VBSP in Quan Ba ​​district, the family of Mr. Giang My Pao, H'mong ethnic group, in San Tru village, Bat Dai Son commune has invested in building a cattle barn with good economic efficiency. Currently, the family has 5 cows

Policy credit capital contributes to a bountiful harvest for the people of Bat Dai Son commune

Many members of the Pa Then Women's Brocade Weaving Cooperative in Tan Bac Commune, Quang Binh District have been granted preferential loans to do cloth weaving, contributing to preserving the traditional craft.

With high mountainous terrain and difficult cultivation, people in difficult areas in Ha Giang need a lot of support from preferential loans




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