Identifying that job creation loans are one of the important resources, helping people develop the economy , expand production, and increase income, in recent times, the Transaction Office of the Social Policy Bank of Son Dong district has always proactively coordinated with local authorities, organizations, and unions entrusted at the grassroots level to promote propaganda and dissemination of policies.
The current maximum loan amount is 100 million VND/employee and 2 billion VND/project for production and business establishments. The maximum loan term is 120 months, with an interest rate of 7.92%/year (equivalent to the loan interest rate for near-poor households).
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Staff of the Transaction Office of the Social Policy Bank of Son Dong district disburses preferential loans. |
Mr. Luu Van Hanh, Director of the Transaction Office of the Social Policy Bank of Son Dong District, said that to ensure loans are given to the right subjects, the Office will base on the loan needs of registered communes, then organize appraisals. Projects with clear production plans and development prospects will be selected for disbursement.
During the implementation process, the unit minimizes the time for processing records and administrative procedures, combined with guidance and support for customers to manage and use loans effectively. After disbursement, the unit also actively coordinates with local authorities to integrate the job creation loan program with the training program on knowledge about startups; organizes training on techniques for caring for and preventing diseases for crops and livestock, etc. to help people apply scientific and technical advances to production, increasing income.
The family of Ms. Duong Thi Binh, in Goc Sau village, Giao Liem commune, is one of the households producing organic apples that has been certified as 3-star OCOP. A few years ago, the Women's Union of the commune guided her through the procedures to borrow 100 million VND from the Transaction Office of the District Social Policy Bank, thanks to which she was able to expand the apple growing area to more than 1 hectare. She shared: "Thanks to being trained and applying the right planting techniques, the trees have few pests and diseases and grow well. The apples are harvested for a long time, from October of the previous year to January of the following year. In the previous crop, my family earned 170 million VND from selling apples, and this year, the expected output is increased, with a stable selling price like every year from 28-40 thousand VND/kg, which will create a significant source of income for the family."
Many other production households and cooperatives have also been supported by preferential loans and have successfully developed OCOP products, such as: Thao Moc Linh Cooperative, Tay Yen Tu town with its leaf-fermented wine product; Mr. Vi Van Gioi, Director of Phu Cuong Cooperative, Ga village, Van Son commune, raising specialty chickens of ethnic minorities; An Lap Service and Trade Cooperative with its Nhu Bao wine product... The production models operate stably, creating additional jobs for 5-20 workers with an average income of 7-8 million VND/person/month.
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Specialty chicken farming model of Phu Cuong Cooperative, Van Son commune. |
According to a summary from the Transaction Office of the Social Policy Bank of Son Dong district, from 2023 to present, the unit has disbursed more than 85 billion VND to more than 750 organizations and individuals to borrow capital. Some localities have high loan turnover such as the communes of Tuan Dao, Yen Dinh, Cam Dan, Van Son, Giao Liem, Tay Yen Tu town. Individuals who receive loans mainly invest in economic development associated with exploiting the potential and strengths of the region. Notably, there are many new forms of production and business focusing on taking care of specialty trees and animals, processing products from mountains and forests, with favorable consumption markets, bringing high economic efficiency.
In the coming time, the District Social Policy Bank Transaction Office will continue to promote the dissemination of this policy; strictly control outstanding debt, collect due capital to rotate loans to help families and individuals do business to maximize the efficiency of loan capital, increase income for workers. At the same time, propose to superiors to increase the loan level for projects that are assessed as feasible and promising, associated with the development of OCOP products, typical and typical products of the locality, capable of creating additional jobs for middle-aged workers and ethnic minority workers.
Source: https://baobacgiang.vn/son-dong-von-uu-dai-tiep-suc-cho-chu-the-xay-dung-san-pham-ocop-postid419149.bbg
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