"Empowering farmers to become wealthy"

(Baothanhhoa.vn) - Over the years, the Agricultural and Rural Development Bank - Thach Thanh Branch - Northern Thanh Hoa (Agribank Thach Thanh) has always prioritized providing capital, becoming a trusted partner and a place to help farmers realize their dreams of wealth.

Many households in Van Du commune have received loans from Agribank Thach Thanh to invest in effective economic development.

To meet the credit investment needs of farmers, Agribank Thach Thanh has implemented a comprehensive set of solutions, including: strengthening marketing and customer care, mobilizing idle deposits from the population, adjusting interest rates flexibly, and regularly organizing promotional programs and prize draws to attract customers. Based on farmers' capital needs and mobilized capital, the unit develops specific credit plans, including increasing credit for agriculture and rural areas. At the same time, it focuses on effective communication, strengthening and expanding its network, especially lending through savings and loan groups, creating the most convenient way for customers to access capital and credit services quickly and easily. The bank's credit investment activities are always transparent and democratic, thus creating consensus between the bank and its customer network.

To ensure the safety and effectiveness of loan capital, Agribank Thach Thanh has assigned officers in charge of communes and towns to directly support loan-granting associations and loan group leaders in ensuring the proper appraisal of loan applications and the disbursement process. Simultaneously, they coordinate inspections and monitoring of loan group activities, promptly detecting, correcting, and handling any violations that arise, contributing to improving credit quality and ensuring the safety of loan capital. As of August 31st, the unit's total outstanding loan balance reached over 2,800 billion VND with more than 11,500 customers currently borrowing capital, with loans for agricultural and rural development accounting for 98% of the total outstanding loan balance. Agribank Thach Thanh's capital has basically met the needs of production and business development in the area, helping people in rural areas solve the problem of capital shortage, invest in developing diverse economic models, expand service shops, production and business establishments... As a result, many new and effective economic models have emerged, creating jobs for many local workers.

When discussing the results of their family's economic model, the people expressed their gratitude for the support and capital provided by Agribank Thach Thanh. This support is not only significant in terms of material assistance but also serves as a source of morale, helping people feel secure in their local production and contributing to socio-economic development and the construction of new rural areas in the locality. Mr. Nguyen Van Hai, from Van Du commune, said: "I borrowed capital from Agribank Thach Thanh in the early 2000s to open an auto repair workshop. To date, I have purchased more machinery, opened more auto parts stores, created jobs for nearly 10 workers, and have an average revenue of about 10 billion VND per year. The auto parts business requires a very large amount of capital, so the bank facilitated my application for a loan with a reserve limit of 4 billion VND. When I need capital to import goods, I just go and apply for a loan within the registered limit. The partnership of Agribank Thach Thanh over the past decades has helped my family's business prosper, so I always trust and remain loyal to the bank.”

Another example of success thanks to bank capital is the household of Mr. Le Van Khang, in Hop Tien village, Kim Tan commune. Mr. Khang told us: “To have the prosperity we have today, for decades, my family has always had the support of Agribank Thach Thanh. Whenever my family needed capital to invest in economic development, I received very enthusiastic and thoughtful guidance from Agribank Thach Thanh staff on loan application procedures, helping me to complete the paperwork quickly and receive the money immediately. From an initial loan of a few tens of millions of dong, thanks to maintaining trust, my family has now been granted a loan limit of up to hundreds of millions of dong.”

To ensure flexible and smooth credit operations, in line with the two-tiered local government model, Agribank Thach Thanh is focusing on effectively mobilizing capital to implement Government Decree No. 156/2025/ND-CP amending and supplementing some articles of Decree No. 55/2015/ND-CP on credit policies serving agricultural and rural development. The unit also maintains its fixed monthly transaction points as before the commune merger, strengthens credit officers responsible for lending in communes to promptly resolve difficulties and obstacles arising, enabling customers to easily access capital to expand production and business, improve family life, and actively contribute to accelerating the process of building advanced and model new rural areas in the localities.

With its established reputation, Agribank Thach Thanh continues to strive tirelessly to be a "launching pad" to "give wings" to farmers on their journey of economic development, poverty alleviation, and wealth creation.

Text and photos: Luong Khanh

Source: https://baothanhhoa.vn/chap-canh-cho-nbsp-nong-dan-lam-giau-260693.htm