Policy credit fuels the development of new rural areas in Lam Dong.

Preferential capital from the Social Policy Bank (NHCSXH) of Lam Dong province is providing support to many localities in building new rural areas.

People in Lam Dong province are able to borrow capital from the Social Policy Bank to invest in production and rise out of poverty.

Creating momentum for more lending programs.

In 2023, Ms. Nguyen Thi Huong from Thuan An commune borrowed 70 million VND from the Vietnam Bank for Social Policies (VBSP). Of this amount, 50 million VND was borrowed under the program for households engaged in production and business in disadvantaged areas. The remaining amount was borrowed under the rural clean water and sanitation program.

According to Ms. Huong, she invested this capital in caring for her coffee plantation intercropped with fruit trees. The remaining amount was used by the family to renovate the machinery and sinks, ensuring cleanliness for the whole family.

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Our family owns over 1 hectare of farmland. Previously, due to a lack of investment capital, the orchard's productivity was low. Since receiving proper investment, the orchard has thrived, and productivity has improved. After each harvest, my family saves up some money to reinvest.

Ms. Nguyen Thi Huong, Thuan An commune

Funding from the Vietnam Bank for Social Policies has enabled many households to build and repair clean water facilities, improving their living conditions.

At the end of September, the family of Ms. Le Thi Cam Tu, from Da Huoai commune, received a loan of 50 million VND from the rural clean water and sanitation program implemented by the Vietnam Bank for Social Policies (VBSP). With the loan, she invested in building facilities such as a water storage tank, toilet, and bathroom.

According to Ms. Tú, her family consists of five members. Besides her and her husband, there is also her elderly mother and two young children. Previously, due to difficult circumstances, her family had to use a dilapidated water tank and toilet. Every rainy season, the structure would break down, becoming slippery and inconvenient for family members.

Recently, through the village's savings and loan group's outreach, Ms. Tú learned about this loan program. With the support of the District Social Policy Bank, Ms. Tú's family invested in building a water storage tank and a clean toilet.

“The preferential interest rates and quick loan procedures make it suitable for our family's economic situation. Since the new clean water and sanitation facilities were installed, our family's daily life has become much more convenient. My husband and I feel more at ease knowing that our elderly mother and children have a clean place to live,” Ms. Tú shared.

Many households in Lam Dong province have received loans from the Vietnam Bank for Social Policies to invest in production development and improve their family's quality of life.

According to the Provincial Branch of the Vietnam Bank for Social Policies, the rural clean water and sanitation loan program alone currently has nearly 109,000 households receiving loans, with a total outstanding debt of over 2,570 billion VND. Loan disbursements in the province from the beginning of the year to date have reached nearly 1,100 billion VND.

Through the rural clean water and sanitation loan package, many households in Lam Dong have had the opportunity to borrow capital to repair and upgrade clean water facilities and toilets. This is a necessary condition to meet the criteria for a high-quality living environment.

The Vietnam Bank for Social Policies (NHCSXH) conducts transactions with residents of Thuan An commune (Lam Dong province).

Over 11 trillion VND lent for new rural development.

As of November 30, 2025, Lam Dong province had over 285,500 households receiving preferential loans from the State. The total outstanding debt of policy credit programs implemented by the Vietnam Bank for Social Policies (VBSP) reached nearly 18,000 billion VND.

Of this amount, over 11,000 billion VND was allocated to preferential loan programs supporting rural development, with approximately 245,500 households still having outstanding loans. The preferential capital focuses on programs such as: loans for production and business households, loans for housing construction, loans for poor households, and rural water and sanitation projects.

Preferential loans from the Vietnam Bank for Social Policies have contributed to many positive changes in people's lives. From investment in production and job creation to rural environmental sanitation...

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All the criteria for building new rural areas have benefited significantly from preferential loan capital. People in Lam Dong have chosen suitable loans through various programs, gradually improving their lives.

Deputy Director of the Lam Dong Provincial Branch of the Vietnam Bank for Social Policies, Vu Anh Duc

According to Mr. Duc, preferential capital is focused on loan programs such as those for poor households, environmental sanitation, and clean water, to ensure the criteria for building new rural areas are met.

Dak Mil branch of the Vietnam Bank for Social Policies visits a model of loan utilization by local people.

Annually, after allocating funds, the Provincial Branch of the Vietnam Bank for Social Policies strengthens coordination with local authorities, organizations, and associations to regularly inspect and monitor the use of loan capital by the people.

Many localities have organized activities to improve farming and livestock models for people to apply. As a result, capital has gradually become very effective, contributing to "boosting" the construction of new rural areas in the localities.

Source: https://baolamdong.vn/tin-dung-chinh-sach-tiep-suc-xay-dung-nong-thon-moi-tai-lam-dong-410035.html