Dong Nai proactively sources policy capital

Director of the Vietnam Bank for Social Policies, Dong Nai Province Branch, Le Ba Chuyen, presented awards from the Vietnam Bank for Social Policies to individuals and groups in Dong Nai Province who are excellent and creative workers in the period 2020-2025. Photo: Song Thao

As capital sources are constantly increased, meeting people's loan needs is getting better and better.

30% policy capital from local budget

The total policy capital that Dong Nai is managing is over 6 trillion VND and 30% of this total capital comes from the provincial budget. Specifically, the current local budget capital entrusted through the Social Policy Bank (CSXH) branch in Dong Nai province is over 1.78 trillion VND, an increase of 223.8 billion VND compared to 2024.

In addition, the province has also proactively implemented solutions to mobilize deposits from organizations and individuals to the Bank for Social Policies, Dong Nai branch. Thereby, 443.2 billion VND has been mobilized from deposits from organizations and individuals with interest rates equal to those of commercial banks. At the same time, policy borrowers who are members of savings and loan groups have also proactively deposited savings of over 474.7 billion VND.

Responding to the Movement of Joining Hands to Eliminate Temporary and Dilapidated Houses in the Province, the Bank for Social Policies, Dong Nai Province Branch, contributed 88.4 million VND to build solid houses for people.

To achieve this result, in recent years, the local budget capital transferred to the Social Policy Bank has always reached over 200 billion VND/year and this target has been achieved and exceeded in the first months of the year. In 2025, the local budget capital transferred to the Social Policy Bank reached 119% of the annual plan. Thereby, Dong Nai is one of 6 provinces and cities with local budget capital accounting for a large proportion in the Social Policy Bank system.

According to Vice Chairman of the Provincial People's Committee, Head of the Board of Directors of the Bank for Social Policies, Dong Nai Branch, Nguyen Son Hung, this result demonstrates the province's proactiveness and positivity in continuously increasing the proportion of local capital in the total policy capital. This contributes to ensuring that policy capital lending meets the needs of the people.

127 thousand cases are borrowing policy capital

From this policy capital, there are currently 127 thousand customers borrowing policy capital with a loan amount of more than 6 thousand billion VND. Of which, in just 3 months of 2025, nearly 11.7 thousand customers have borrowed policy capital with over 603 billion VND and increased by more than 30% compared to the same period in 2024.

Transaction staff carry out procedures to disburse policy loans to people at the Social Policy Bank, Dong Nai province branch. Photo: Song Thao

Among these, there are policy lending programs that exceeded the plan by 0.5 to nearly 5 times, such as: The Social Housing Loan Program has disbursed over 93 billion VND, an increase of nearly 5 times compared to the same period in 2024; The Rural Clean Water and Environmental Sanitation Loan Program has disbursed over 177 billion VND with nearly 4,300 borrowers, an increase of 50% compared to the same period in 2024.

Ms. Mai Thi Ha (residing in Gia Canh commune, Dinh Quan district) said that through the Transaction Office of the Social Policy Bank of Dinh Quan district, her family was considered for a loan of 50 million VND from the Rural Clean Water and Environmental Sanitation Loan Program. This amount of money helps her family have more conditions to use clean water and renovate the auxiliary works.

In addition to lending, the repayment of policy loans to people in the province also achieved positive results. In particular, the total debt collection revenue in the first quarter of 2025 reached 386.1 billion VND, exceeding 30.3% over the same period in 2024. At the same time, the province's overdue debt and frozen debt ratio was controlled below 0.2% of total outstanding debt and lower than the national average.

According to Vice Chairman of the Provincial People's Committee, Head of the Board of Directors of the Bank for Social Policies, Dong Nai Branch NGUYEN SON HUNG, the demand for policy loans of people in Dong Nai is very large. Therefore, relevant units need to continue to create conditions for people to borrow capital according to regulations, ensuring the right subjects and regulations.

To continue to effectively implement policy credit work in the province, according to the Director of the Bank for Social Policies, Dong Nai Province Branch, Le Ba Chuyen, in 2025, the Bank for Social Policies, Dong Nai Province Branch, together with other units, surveyed the loan needs of over 44,600 poor households and policy beneficiaries in need, of which 31,500 cases were eligible for loans. Currently, there are 19,800 cases that need to be resolved for loans.

In the coming time, the Bank for Social Policies, Dong Nai province branch, organizations receiving entrusted capital, and localities will continue to focus on improving the quality of service to the people in policy credit activities associated with focusing on reviewing the subjects and loan needs to serve as a basis for lending and completing documents, ensuring timely disbursement, to the right subjects, in accordance with regulations, promoting disbursement of loan programs, especially loans for social housing, people who have completed their prison sentences, poor households, near-poor households, etc. In addition, households borrowing policy loans are encouraged to deposit monthly savings at an appropriate level to repay the debt in installments when due. Publicly posting policy credit content at commune transaction points ensures that people can easily grasp information and participate in monitoring policy credit activities, etc.

Thao River

Source: https://baodongnai.com.vn/moi-nong/202505/dong-nai-chu-dong-nguon-von-chinh-sach-62d0088/