'Boosting' the development of household economies.

Creating favorable conditions for household economic development is a solution that contributes to effectively reducing poverty, creating jobs, and increasing income for people in rural areas.

Báo Tây Ninh•26/05/2026

1. The family of Mr. Nguyen Ngoc Du, residing in Vam Co commune, Tay Ninh province, owns 6,000 square ^meters of rice paddy land, but the yield is low. After deducting all expenses, the profit is approximately 10 million VND per year. This amount is insufficient to cover the family's living expenses, so Mr. and Mrs. Du have to work as laborers to earn extra money to support their two children's education. Mr. Du's family is also included in the list of near-poor households, benefiting from policies such as health insurance cards, electricity bill reductions, and scholarships for his children, etc.

By switching from rice farming to shrimp farming, Mr. Nguyen Ngoc Du's family not only rose out of near-poverty but also raised their children to be successful in their studies.

Specifically, through the Social Policy Bank, the commune facilitated a loan of 90 million VND for Mr. Du to convert his low-yield rice fields into shrimp farms.

Mr. Du said: “In 2017, people around here switched from rice farming to dragon fruit farming or shrimp farming. Therefore, farming was very difficult for my family; we couldn't use mechanization or pump water, and the fields were especially damaged by rats. Unsure how to improve our income, my family borrowed 90 million VND from the Tan Tru branch of the Social Policy Bank to dig a pond, buy tarpaulin, feed, etc., and switch to shrimp farming. Thanks to several consecutive years of successful shrimp farming, we were able to support our two children through university and sustainably escape near-poverty.”

To prevent disease outbreaks and maximize yield, Mr. Du only raises two shrimp crops per year instead of three like other households. Furthermore, he spaces the stocking times between ponds by about a month. This reduces the labor involved in caring for the shrimp, eliminates the need to hire extra workers, and spreads out investment costs, fitting his family's financial situation. More importantly, the shrimp fetch a higher price and he avoids price manipulation by traders. Mr. Du happily stated: “Last season, I harvested two shrimp ponds, earning a profit of 400 million VND. The pond I harvested about 10 days ago alone yielded nearly 100 million VND in profit, dozens of times higher than growing rice.”

2. Mr. Nguyen Van Hung, residing in Tan Tru commune, continues his family's drum-making tradition. However, in recent years, the prices of raw materials have continuously increased, sometimes even leading to shortages. Faced with this situation, his family needs capital to purchase and stockpile raw materials to stabilize production and reduce investment costs. Because it's a traditional craft, his family mainly relies on labor for profit, averaging around 10 million VND per month. This amount is sufficient to cover living expenses. When the prices of raw materials rise, the work becomes difficult, even temporarily halting drum production.

Mr. Nguyen Van Hung was able to preserve his family's traditional craft thanks to social policy credit funds.

Mr. Hung said: “On average, each shipment of raw materials costs about 100 million VND, which is a large sum, while the retail outlets only sell wholesale and not retail. The capital outlay was so large that my family considered abandoning the craft and renting land to grow rice. However, we were fortunate to receive a loan of 100 million VND from the Tan Tru branch of the Social Policy Bank, facilitated by the Farmers' Association of the commune, to invest in purchasing raw materials. The bank provided quick loan support, and the bank staff and the head of the Savings and Loan Group were dedicated and attentive from the loan disbursement stage to monitoring the use of the funds. Thanks to this, my family has the opportunity to continue preserving the traditional craft of our ancestors.”

The effective use of loan capital from the Tan Tru Branch of the Social Policy Bank has helped Mr. Du and Mr. Hung's families develop production models suitable to the local conditions. These models contribute to the effective achievement of the goal of stable and sustainable rural economic development.

Le Ngoc

Source: https://baotayninh.vn/tiep-suc-cho-kinh-te-ho-gia-dinh-phat-trien-147488.html