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Client success stories

Updated: 2016-01-04 11:10:46

Preferential loans help escape from poverty

Few years ago, while mentioning Ms. Nguyen Thi Dung‘s family at Noi hamlet, Duc Ly commune, Ly Nhan district (Ha Nam province), all people in the hamlet felt poignant. Her husband got serious illness, she had to take care of her two children by her own. Until now, her family is one of the typical examples of local area in getting rich, getting out of poverty thanks to the preferential capital resource of the Government.

“Gia tài” từ vốn vay ưu đãi của gia đình chị Nguyễn Thị Dung

Visiting Ms. Nguyen Thi Dung household, the first impression with us is her full equipped facilities in her house. Saying about the economic model of the family, she smiled modestly: "My family is nothing significant”. After telling her story with us, she took us a visit around the farming model of her family, smiling always on her gracious face. But being like today, she and her household experienced hard days. Being a native person of the local area, growing up and getting married, unfortunately, after a serious illness, her husband got a brain disease. When her husband lost working capacity, she must burden every work in the family on her shoulder. She and her husband come from farming background, their life was mainly based on growing rice and breeding livestock, poultry, taking care for children and giving them to school had to be dependent on raising few pigs, growing vegetables.

At first, her family farming is small scale with few pigs, so their life underwent many difficulties. Although having many difficulties, as a hardworking woman, she saved money, learned experiences from her neighbors, so her pigs steadily increased in each year.

Especially, in the year 2012, she borrowed 29 million dong from program for poor households, thanks to that loan, her farm system has expanded strongly, invested in more cages, feeding more pigs, expanding production scale. Until now, the farm system of her family has been extended up to 6 cages, each cage has an room enough to feed 9 pigs. Total number of her pigs are up to 60, all ready to be sold. She said that: “everyday all cages are cleaned, ensured food supply so that pigs grow up quickly, increasing productivity”. Each year, she sold 6 litters pork , each litter is more than 1 ton of meat, average 100 kg/head. If the market price was 45 thousand/kg, every year she earned 40- 50 million dong.

Besides the growing area of nearly 3 acres, she rotated actively. Every day, just after feeding pigs, she goes to the field to care for rice for the aim of gaining high productivity after harvesting . She will expand the scale of production, increase the total number of pigs for slaughter up to 100 in the near future. For raising effectively while ensuring the environment, her family built drainage system for husbandry, building a  21m3 biogas tank which is cost more than VND 15 million to make using waste for gas as well.

Her family now has a better life, that is achievement of the whole family, including great effort in overcoming fate and being brave to do business of Ms. Nguyen Thi Dung.. She has deserved to be one of the typical examples on good farmers, business woman of the district. She is believed for imitation and highly appreciated by people in the commune in socio-economic development, escaping poverty from empty hands, contributing to build up the homeland increasingly prosperous and civilized.

VBSP updated 25th May 2015



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