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Press Release

Updated: 2021-08-24 09:35:17

Social policy credit for each different objective and beneficiary, serving the national target programs

(VBSP News) VBSP continues to carry out the mission of social policy credit, contributing to the implementation of sustainable development goals with 17 specific targets that Vietnam is continuing to perform with the support of the United Nations Development Program (UNDP).


Social policy credit for each different objective and beneficiary, serving the national target programs

The implementation of each specific loan scheme can contribute to achieving one or many SDGs, national financial inclusion, sustainable development of the Government according to the following groups: 

(1) Loan schemes tailored for the poor, near-poor and newly-escaped poverty households are aimed to help these households who have labour ability but lack capitals for business and production investment, job and income creation, contributing to conducting the national goal on sustainable poverty reduction and “End all forms of poverty everywhere”

(2) Loan schemes for housing purpose include housing loan for the poor in rural areas under Decision No.33/2015/QĐ-TTg dated 10/8/2015 issued by Prime Minister on helping the poor stable and safe housing, contributing to the national goal on “Reduce the extent of shortages in basic social services such as housing”.

The second housing loan scheme for the poor and near-poor households in urban areas, low-income households and other disadvantaged groups under Premier’s Decree No.100/2015/NĐ-CP dated 20/10/2015 on social housing development and management, helping them access preferential credit, ensure long-term housing condition, contributing to the national target of mitigating housing criteria, “Make cities and human settlements safe, resilient and sustainable”.

The third storm-resistant housing loan scheme for the poor under Decision No.48/2014/QĐ-TTg dated 28/8/2014 of the Prime Minister on supporting poor households in the Central Region of Vietnam to build flood and storm-resilient houses off the high risk sites of disasters. The fourth one on supporting construction of clusters for the inhabitants of deep flooding areas in 9 Mekong Delta provinces under Premier’s Decision No.714/QĐ-TTg dated 14/6/2018 and some sub-decision and amendments aimed to help the poor risk mitigation, responding with the national goal on “Ensure housing safety due to natural disasters, climate change and extreme environmental impact”.

(3) The loan scheme for job creation under Primer’s Decree No. 61/2015/ND-CP dated July 9th 2015, on Job Creation Policies and the National Employment Fund includes (i) Provision of loans for guest workers to create jobs and for businesses to attract jobs; (ii) Provision of loans for guest workers to work overseas for definite time, who is an ethnic, a member of poor households and other disadvantaged groups. This loan scheme has contributed to job and income generation, mitigating negative impact by unemployment, agricultural land withdrawal, solving rural labour redundancy, sustainable poverty reduction and contributed to the national goal “Encourage constant, inclusive and sustainable economy growth; satisfactory, adequate and productive job generation for everybody”.

(4) The loan scheme for disadvantaged students aims to facilitate students, who are members of disadvantaged households facing with financial difficulty, to access preferential loans for paying for tuition fee when joining short or long term vocational training, university or college to gain stable jobs. This scheme has contributed to job creation, sustainable poverty reduction and mitigating education gap; responding with the national goal “Ensure equal, inclusive and qualified education as well as enhance studying opportunities for everybody”.

5) The loan scheme on clean water supply and sanitation in rural areas aims to help rural households to build or rehabilitate hygienic toilets, sanitation facilities and renewable energy for improving good health, living conditions and promote new rural development. The loan is used for raw material purchase, construction remuneration, other necessary expenses for new construction, renovation and upgrading of clean water and sanitation works must comply with national standards on rural sanitation and hygiene (toilets, toilets with biogas tank, animal lodging, waste treatment in rural craft villages). This scheme has contributed to the national goal “Ensure the right of access to clean water supply hygiene for everybody”.

(6) The loan scheme for business households and entrepreneurs in vulnerable areas aims to facilitate households, individuals and businesses in disadvantaged areas, who cannot access to commercial banks, can borrow from VBSP with market rate to ensure stable business, economic development in remote and mountainous areas, contributed to the national goal “Mitigate inequality among rural, delta and mountainous areas, among areas in the same province and country”.

(7) The forestation loan scheme includes (i) The forestation development project in six central provinces funded by WB and (ii) The loan scheme on productive forestation with livestock raising for ethnic minorities under Premier’s Decision No.75/2015 on supporting forestation linked with livestock for ethnic minorities in ethnic and mountainous areas. These green loans help ethnic and poor households productive forestation with livestock raising to improve short and long term livelihood, contributed to forest protection, sustainable poverty reduction and green growth.

(8) The loan schemes for socio-economic development in ethnic and mountainous areas under certain Premier’s decisions from time to time i.e. loan for poor households, loan for ethnic poor households in difficult ethnic and mountainous areas with a view to improving livelihood, mitigating immigration, illegal forest deployment. Contributed to the national goal on “Remove inequality on areas, rural, ethnic and sustainable environment protection”.

(9) The loan schemes for other disadvantaged groups to facilitate job creation for person with disability, HIV/AIDS infected and affected people and drug-detoxified users, rehabilitated sex workers and people who have completed their imprisonment sentences for self-generating income, improving their health, social dignity and spiritual life, contributed to the national goal on “Minimize inequality and discrimination against disadvantaged groups.





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