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Updated: 2025-06-09 10:27:24

Results of Social Policy Credit Loan Scheme in implementing 03 National Target Programs (2020-2025)

Social Policy Credit has contributed to the effective implementation of 03 government-funded national target programs period 2020-2025, aiming at different social welfare’s targets. In order to effectively take advantage of the national budgets in invoking the program, VBSP has played an indispensable part as the leading publicly-owned financial institution in providing inclusive financial products & services for the poor and other last-mile population for sustainable poverty alleviation, financial inclusion development and social security to accelerate socio-economic development. Following are the key highlights VBSP has achieved in the result of these 03 national target programs in 2020-2025:

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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...