Rising up thanks to policy credit

(QBĐT) - In recent years, thanks to the timely "support" from preferential loans from the Transaction Office of the Bank for Social Policies (PGD NHCSXH) of Quang Ninh district, Ms. Tran Thi Hang, Phuc Nhi village, An Ninh commune has risen to become rich with a comprehensive livestock farming model.

Previously, Ms. Hang worked as a factory worker in the South, and her husband worked as a driver. After many years of struggling in a foreign land, her family decided to return to their hometown to start a business. With the capital saved from many years of living abroad, Ms. Hang and her husband invested in building a pig farm. At first, she had no experience, so she only raised a few sows for trial with the aim of earning a profit. Realizing that the pig farming model was effective, Ms. Hang's family decided to expand the scale and increase the herd.

In early 2023, with the support of the local government, Ms. Hang boldly borrowed 70 million VND from the job creation loan source of the Social Policy Bank of Quang Ninh district to build barns and buy more breeding pigs. In order to proactively source breeding pigs locally and limit the outbreak of diseases, she maintains raising 25 sows and pigs. When re-herding, Ms. Hang takes advantage of available food sources in the garden such as vegetables, bananas and by-products to process feed on-site, reducing costs when feed prices rise. During the breeding process, she always adheres to breeding techniques and regularly cleans barns to limit the outbreak of diseases.

The goat farming model brings stable income to Ms. Tran Thi Hang, Phuc Nhi village, An Ninh commune.

Ms. Hang said that her family's pigs are favored by traders because the meat quality always meets standards. In addition to the "clean standard" food source, she also makes garlic yeast and fish protein for the pigs to eat to prevent disease, without using antibiotics at all. Each year, her family sells 4 litters of pigs, bringing in a stable income of more than 200 million VND/year.

Being a hard-working woman, when the pig farming model gradually stabilized, she boldly planted and tried raising other types of livestock. Taking advantage of the garden land, she started to experiment with raising goats and cows.

Ms. Hang shared that she chose to raise goats because after a period of research, as well as learning from some local models, she realized that this is a relatively easy animal to raise, suitable for local conditions, with stable output and prices. Thanks to the available food source and attentive care, the goat herd has developed well, reproduced regularly, and increased rapidly. She currently maintains 28 goats and 4 cows and plans to continue to increase the herd.

During a visit to a friend's house, seeing that the model of raising earthworms combined with livestock and farming was highly effective, Ms. Hang and her husband immediately started to experiment with raising earthworms. Taking advantage of 100 square meters of garden land, Ms. Hang bought earthworms from Nghe An to raise.

She said that raising earthworms is very easy because this is an animal that can adapt easily to the environment and has a fast reproduction rate. The source of raw materials for raising earthworms is taken advantage of from livestock manure and agricultural by-products such as straw, so it helps to process waste from livestock and poultry, agricultural by-products without polluting the environment. Ms. Hang will compost the manure of goats, cows, and pigs through biological products and then use it as food for earthworms. This amount of manure after harvesting earthworms will be used as organic fertilizer to fertilize vegetables and fruit trees in the home garden.

Head of the Savings and Loan Group in Phuc Nhi village, Nguyen Thi Thanh, said that the group currently has 31 members with an outstanding loan balance of nearly 1.5 billion VND. Ms. Hang is one of the typical members in using preferential loans from the Vietnam Bank for Social Policies. During the process of using the capital, her family always follows the group's operating regulations, pays interest and participates in full savings every month. Thanks to the efforts of her husband and wife and the timely "support" from the policy credit capital, her comprehensive livestock farming model has increasingly developed, bringing a stable income to the family. In the coming time, the group will continue to create conditions for Ms. Hang to borrow capital to develop production.

Earthworms grow very quickly, and can be sold after 30 days of raising. Currently, the earthworms at Ms. Hang's farm are mainly sold to households as food for fishing at a price of over 100,000 VND/kg.

To improve production efficiency, Ms. Hang spends a lot of time attending training courses on technology transfer, learning experiences, and expanding relationships to consume products. In addition, she also proactively seeks to buy breeds with good resistance and disease resistance to improve livestock farming efficiency. Thanks to that, over the years, livestock on the farm have grown and developed stably, with revenue each year always higher than the previous year. Starting from nothing but with constant efforts, Ms. Hang has succeeded in livestock farming, getting rich on difficult land, with revenue of nearly 300 million VND/year.

Sharing about her goals for the coming time, Ms. Hang said: "If the transaction office of the People's Credit Fund of Quang Ninh district creates favorable conditions, I will continue to borrow more capital to expand and improve the quality of livestock to develop the family economy and increase income."

L.Chi

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