A foundation of credit for sustainable livelihoods.

In the mountainous and remote areas of Thai Nguyen province, the story of sustainable poverty alleviation is always linked to the issue of production capital. In recent years, credit from the Agricultural and Rural Development Bank (Agribank) Dinh Hoa Branch has become an important leverage, helping ethnic minority people boldly change their mindset and invest in the development of household and collective economies.

This is the farm-scale chicken farming model of Mr. Nguyen Dang Tuyen's family in Cau Da hamlet, Binh Yen commune.

In 2023, Mr. Nguyen Dang Tuyen's family, residing in Cau Da hamlet, Binh Yen commune, boldly borrowed 1.5 billion VND from Agribank Dinh Hoa branch to build a chicken farm with a capacity of 13,000 birds.

Thanks to the application of modern breeding techniques and gradual expansion of production, the total flock now reaches 26,000 chickens, with approximately 150 tons of chicken meat sold annually, generating a profit of over 1 billion VND.

Mr. Tuyen shared: "The loan has helped my family to invest systematically, and to run a stable and long-term business."

Credit capital not only supports household economies but also creates a foundation for the sustainable development of cooperative economies. The Chuyen Duc Transport Service Cooperative in Trung Hoi commune is a clear example.

Starting with a small loan from Agribank's Dinh Hoa branch in 2004 to purchase a passenger car, the cooperative has now expanded its operations into many fields such as petroleum trading, construction materials, and forest product processing.

Currently, the unit provides stable employment for over 40 workers with an average income of approximately 10 million VND/person/month; revenue reaches over 50 billion VND/year, contributing more than 2 billion VND/year to the state budget.

Mr. Do Van An, Deputy Director of the Cooperative, shared: Credit capital is the foundation that helps the unit gradually expand production scale, improve competitiveness and create jobs for local workers.

Currently, Agribank Dinh Hoa Branch is implementing credit activities in 8 communes including: Dinh Hoa, Binh Yen, Trung Hoi, Phuong Tien, Phu Dinh, Binh Thanh, Kim Phuong and Lam Vy, serving more than 4,000 loan customers and over 20,000 deposit customers.

By the end of the first quarter of 2026, total capital reached over 2,400 billion VND; outstanding loans reached 1,388 billion VND, an increase of 38 billion VND compared to the beginning of the year; the non-performing loan ratio was controlled at 0.5%.

Transactions conducted at Agribank Dinh Hoa Branch.

To ensure the effective use of capital, the bank closely coordinates with local authorities and mass organizations such as the Women's Union, the Farmers' Association, the Veterans' Association, and the Youth Union in disseminating policies, evaluating loan applications, and guiding the proper use of funds.

Ms. Tran Thi Gai, Chairwoman of the Women's Union of Trung Hoi Commune, informed: through loan groups, members have easier access to capital, and are also guided on how to do business, practice saving, and use capital effectively.

In 2026, Agribank Dinh Hoa Branch aims for outstanding loans of VND 1,430 billion, a non-performing loan ratio below 0.5%, and service revenue of VND 11 billion; continuing to prioritize capital for agriculture, forestry, and household economies in mountainous areas.

Mr. Ma Dinh Hoang, Deputy Director of the branch, affirmed: The unit will continue to stand alongside the people in the highlands, bringing capital to the right recipients, contributing to economic development and sustainable poverty reduction.

Thanks to timely and appropriate funding, many households in the highlands of the former ATK war zone have boldly changed their way of thinking and doing things.

Large-scale livestock farms, efficiently operating cooperatives, and sustainable household economic models today are vivid evidence of the effectiveness of credit flows.

The journey to building a prosperous life in the highlands still has much work to be done. But with the persistent support of banks, the government, and various organizations, these villages are gradually improving, moving towards a future of prosperity and happiness.

Source: https://baothainguyen.vn/xa-hoi/202605/diem-tua-von-tin-dung-cho-sinh-ke-ben-vung-e3212de/