Effective support for people

After merging administrative units, Bao Thang streamlined the apparatus and brought the Social Policy Bank transaction points closer to the people. Preferential capital went to the right addresses, mainly for afforestation, livestock farming and services; 16 programs are operating stably. Stories in Khe Tam village, Phu Thinh 2 show that when policies "catch the right pulse" and are organized and implemented according to needs, livelihoods are paved for sustainability.

Immediately after completing the arrangement of administrative units and organizing the two-level local government model, Bao Thang Social Policy Bank advised the Party Committee and the government to maintain transaction points right at the headquarters of the old communes. This approach not only maintains the continuity of policy financial services but also creates a habit of convenient interaction for borrowers and payers in familiar areas. Transaction points are equipped with necessary facilities, arranged with a fixed schedule, coordinated with police forces, militia and mass organizations to ensure security and order so that people can feel secure when coming to transact. Policy communication is deployed in depth: through the network of farmers' associations, women's associations, veterans' associations, youth unions, at transaction points (publicly posting programs, loan conditions, interest rates, procedures) and in savings-loan group activities.

“Maintaining transaction points at the old commune headquarters and communicating through the mass organization system helps us get closer to the people, reducing transaction costs and increasing responsibility in using capital. Inspections show that capital is used for the right purposes, mainly for livestock farming, forestry, and service business. Currently, the area operates 16 policy credit programs."

Mr. Nguyen Tri Dung, Director of Transaction Office of Bao Thang Social Policy Bank.

The “people-centered” approach is also reflected in the pre-loan and post-loan consultation process: credit officers and savings and loan groups listen, explain conditions, guide the development of production plans suitable to the household’s capacity, and recommend cash flow and repayment timing that match the seedling cycle. After the loan, the group continues to monitor, remind about the deadline, provide basic technical support, and connect with market information as needed.

The synchronous participation of the government, the Social Policy Bank and mass organizations has clearly defined three pillars of sustainable income growth at the grassroots level: afforestation - animal husbandry - services. In each pillar, preferential capital plays a "leverage" role for poor and near-poor households to form a reasonable cash flow, avoiding falling into hot loans and spontaneous loans.

Social Policy Bank staff visit cinnamon garden of people borrowing capital in Khe Tam village.

Forestry is an important livelihood for people in many villages. In Khe Tam, Mr. Dang Van Ha is a typical example. He said: initially, the family used loans to raise buffaloes for breeding, a plan suitable for grazing conditions. When the land fund changed, he sold the buffaloes and switched to forest planting: cinnamon, linden, and fat. This model allows for stable income: cinnamon is pruned in rotation; fat and linden are harvested when they are old enough, leaving the young trees to grow.

The income from cinnamon and lard is over 100 million VND per year after deducting expenses. Thanks to that, I escaped poverty, built a house, and educated 4 children, 2 of whom are in college - Mr. Ha shared.

His story shows flexibility in the use of capital: the goal is not to maintain a fixed model, but to adjust the plan according to fluctuations in land, markets, and labor.

Mrs. Ly Thi Hoa of Khe Tam village takes care of her family's cinnamon garden.

Also in Khe Tam village, Ms. Ly Thi Hoa chose cinnamon as her main crop. The 100 million VND loan was allocated to her for care, pruning, and cultivation, focusing on proper techniques to improve the quality of the bark and increase the selling value.

Thanks to cinnamon pruning, I have paid 50 million, the rest will be paid when the harvesting season comes at the end of this year - Hoa shared.

With the economy improving, she was able to build a house, buy a motorbike for production and small business, creating a new capital cycle from legal and transparent sources of income.

Ms. Vu Thi Hong Nhung, Phu Thinh 2 village, takes care of her family's squash garden.

Raising livestock and gardens brings a steady cash flow to many households, especially those with regular workers at home. In Phu Thinh 2 village, Ms. Vu Thi Hong Nhung implemented the “garden - barn” model: growing vegetables combined with raising pigs and chickens. The 100 million VND loan is divided into three parts: seeds, materials; barn renovation; and risk contingency (disease, feed prices).

Ms. Nhung said: Up to now, I have paid 50 million VND, with an outstanding debt of 50 million VND. If I have the conditions, I want to borrow more to buy breeding pigs and expand the vegetable area, because policy capital is an effective support to help my family gradually escape poverty.

Her case emphasizes the role of financial discipline: paying debts on time, reinvesting with a plan, improving barn hygiene standards to increase productivity and reduce risks.

In Khe Tam village, Ms. Ban Thi Nhan, head of the savings and loan group, recalls: Previously, about 90% of households in the village were poor households, 80% were Dao people, production was mainly self-sufficient. My group and I have promoted and guided people to access credit programs such as poor households, near-poor households, poverty reduction, production and business in difficult areas and clean water - environmental sanitation. Up to now, the village has 44 - 45 households borrowing, with outstanding debt of about 4 billion VND; temporary houses are almost gone, replaced by solid houses; clean water facilities, bathrooms, toilets reach almost 100% of households. The rate of poor households has decreased sharply, to 0.8% - a number that speaks to the practical effectiveness when policy credit is associated with practical implementation.

A prominent advantage of the model in Bao Thang commune is the discipline of saving and paying debts on time. Many households have recorded cash flow, and paid in the fall to avoid being passive. With cinnamon, the technique of pruning trees alternately spreads cash flow, reducing pressure on debt repayment. With tallow and linden trees, the harvesting schedule according to the age of the tree is set at a good selling price stage, combined with the next area already planted, creating a safe delay for the capital cycle. In livestock farming, hygiene and biosafety standards are raised, reducing the risk of disease, a factor that can easily disrupt debt repayment plans.

Source: https://baolaocai.vn/tro-luc-hieu-qua-cho-dan-post882883.html