Help people access capital easily

BHG - Carrying out the task of economic development associated with the construction of new rural areas, in recent times, the Bank for Agriculture and Rural Development of Quan Ba District ( Agribank Quan Ba) has promoted policy credit activities, accompanied people in developing production, gradually increased income, and contributed to changing the face of rural areas at the gateway to the Stone Plateau.

Identifying agriculture , farmers and rural areas as key areas, Agribank Quan Ba always closely follows the socio-economic development policies and orientations of the province and district and synchronously implements the Government's credit programs and policies to serve the development of "three rural areas", notably Decree 55/2015/ND-CP and Decree 116/2018/ND-CP on credit policies to serve agricultural and rural development.

International tourists experience a traditional meal at the homestay of Mr. Ly Ta Sang's family, Nam Dam village (Quan Ba).

Comrade Phi Duy Tan, Director of Agribank Quan Ba said: “With the motto of taking customers as the center, in recent times, the unit has proactively supported people to learn and promptly access preferential loan policies. Thanks to that, credit capital is disbursed at the right time, to the right subjects, promoting clear efficiency in production and business practices. Currently, the total outstanding loan balance of the branch reaches 624.5 billion VND with 1,368 customers, mainly agricultural production households, cooperatives, cooperative groups and small enterprises. This is an important resource to help people invest in land improvement, conversion of crops and livestock, development of community tourism models, expansion of occupations, creation of jobs and increase income.”

One of the typical examples of effective use of loan capital is the family of Mr. Ly Ta Sang, Nam Dam village, Quan Ba commune (Quan Ba), developing community tourism services associated with preserving Dao ethnic culture. Mr. Sang shared: “In 2019, my family started doing homestay and realized the great potential of experiential tourism. In 2022, I borrowed 350 million VND from Agribank Quan Ba to upgrade facilities and build 6 more bungalows to welcome guests. On average, we welcome about 150 guests per month, bringing in a stable source of income. After deducting expenses, my family earns about 30 million VND per month. Without timely capital from Agribank, this model certainly could not have developed as effectively as it is today.”

In addition to Mr. Sang's homestay model, many families in the district have been using loans effectively, such as Mr. Vang Thong Cao's household in Quyet Tien commune, who sells fertilizers with a debt of 4.1 billion VND and an annual profit of about 900 million VND; Ms. Truong Thi Huong, who sells construction materials, with a debt of 8.5 billion VND and an income of more than 1.8 billion VND per year; Ms. Nguyen Thi Yen, group 3, Tam Son town, who invests in developing food services for tourists...

In addition to effective credit activities, Agribank Quan Ba actively coordinates with the People's Committees of communes and mass organizations to survey loan needs, propagate policies, and guide loan procedures. In the coming time, the bank plans to expand the loan group model and implement unsecured loans, with a limit of up to 200 million VND/household, helping to reduce financial pressure and create conditions for people to develop household economy. The unit also implements many preferential loan programs suitable for each target group such as: Production and business households, individual consumers, staff of the health and education sectors, poor households, people in remote areas, etc. Loan procedures are simplified to the maximum, flexible in loan guarantee measures, creating favorable conditions for people to access capital. Focus on improving service quality through professional training for staff, innovating transaction styles, and increasing the application of digital technology in loan management and disbursement. Strengthen coordination with local Party committees, authorities, Farmers' Association, Women's Union and mass organizations to quickly and effectively convey credit policies to people.

In the coming time, although commune-level administrative units are merged and adjusted according to the general policy, Agribank Quan Ba still maintains its commitment to accompany the people. With the orientation of focusing on agriculture, farmers and rural areas; continue to promote policy credit loans, expand the network of grassroots access, and improve service quality. Thereby, contributing to stabilizing people's lives, promoting socio-economic development in highland communes in a comprehensive and sustainable manner.

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