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Updated: 2020-12-17 09:30:09

The positive impact of policy credit to the development of craft villages

(VBSP News) Throughout the years, Ha Nam province has always determined that the development of handicrafts and craft villages in rural areas is a new direction to promote rural industrialization and contribute to fulfilling the criteria in building new rural area.

In order to accommodate the loans for poor households and policy beneficiaries, local authorities have cooperated intimately with VBSP to create an opportunity for people to borrow money to maintain jobs and develop local traditional craft villages. Up to now, the total outstanding loan of VBSP in Ha Nam province is over 1,927 billion VND with 70,650 households, in which the outstanding loans for poor households, near-poor households and creating jobs program are VND 140 billion, VND 925 billion and VND 135 billion respectively.

VBSP branch in Kim Bang district has transactions with people in Thuy Loi commune at the commune transaction point

Bui Van Dai's family in Trung Hoa village, Thuy Loi commune, Kim Bang district borrowed VND 50 million from a job creation program to buy an incubator and raise 2,000 ducks

Deducting expenses, Dai's family earns over tens of millions each year

The family of Nguyen Tien Quang in Moc Nam commune, Duy Tien district borrowed VND 50 million to invest in weaving machines, creating regular jobs for family members

Borrowing VND 45 million for near-poor households, Le Thi Tham's family bought a weaving machine to maintain the weaving profession

With a loan of VND  100 million from the job creation program, the family of Nguyen Thi Thoa in hamlet 3, Thuy Loi commune, Kim Bang district has had the opportunity to renovate inefficient rice fields into fishponds, raise ducks and plant fruit trees

Phan Duy Hung in Hoi Trung village, Thuy Loi commune, Kim Bang district borrowed VND 40 million from a job creation program for semi-industrial breeding stock of pigs




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