Ninh Thuan province has a natural area of 3,358 km2, a population of about 600 thousand people, with 33 ethnic groups living there. The province is regularly affected by climate change, especially drought affecting agricultural production, making the lives of some people difficult. Identifying social credit capital as a practical tool to help poor and near-poor households and policy beneficiaries have the conditions to develop production and improve family life, immediately after the Secretariat issued Directive No. 40-CT/TW, the Provincial Party Standing Committee organized to study and disseminate the spirit of the Directive to the entire Provincial Party Executive Committee, leaders of departments, branches, sectors, the Front, mass organizations; districts and cities. At the same time, the Provincial Party Committee also issued Directive No. 67-CT/TU dated April 23, 2015 and Plan No. 59-KH/TU dated July 22, 2021 for leaders of Party committees at all levels, authorities, the Fatherland Front and socio -political organizations to organize and implement to ensure the contents and tasks set forth in Directive No. 40-CT/TW.
Credit officers of the Transaction Office of the Social Policy Bank of Ninh Phuoc district visited the production model of a borrower in Phuoc Hau commune.
Mr. Le Minh Loc, Director of the provincial branch of the Social Policy Bank, said: Since the issuance of Directive No. 40-CT/TW, social policy credit activities have changed significantly. In particular, with the support of facilities, means, equipment, and working offices, banking activities have been increasingly improved, credit capital has continuously grown and developed sustainably in both scale and quality. The lending evaluation work has always been directed by local authorities, the lending evaluation process is aimed at the right beneficiaries, ensuring compliance with the spirit and policy of the Party and Government of "Leaving no one behind".
One of the highlights is that districts and cities always pay attention to and incorporate the contents of Directive No. 40-CT/TW into the annual socio-economic development plan, thereby implementing leadership and direction more closely. For example, in Thuan Bac district, in addition to issuing documents, programs, and resolutions for leadership and direction, the district also creates favorable conditions for the operation of the Social Policy Bank Transaction Office located in the area; organizes the balance and arrangement of entrusted capital to the bank to supplement lending resources. Up to now, through 18 preferential policy credit programs, the whole district has 57,396 poor households, near-poor households and policy beneficiaries receiving loans, accounting for 65.4% of households in the area, with outstanding loans currently reaching 437 billion VND; social policy credit capital and other resources contribute to reducing the poverty rate in the locality by 3.5-4%/year.
In implementing Directive No. 40-CT/TW, since the policy of adding the Chairmen of the People's Committees at the commune level to participate in the Board of Directors at the district level has contributed to enhancing the political strength in the executive apparatus, thereby all policies of the Party and the State on social credit have been grasped and promptly implemented to the people, effectively overcoming the existing problems compared to before. In the past 10 years, the source of social credit capital has increased by more than 2,500 billion VND, doubled since Directive No. 40-CT/TW was issued, bringing the total outstanding debt of the whole province to 3,736 billion VND, with more than 82,000 poor households and policy beneficiaries still having outstanding debt. The source of social credit capital has contributed to helping over 73,000 households overcome the poverty line; creating jobs for more than 53,600 workers who received loans to support job creation, 43,600 students received loans to study, built more than 116,880 clean water and toilet facilities, 8,234 poor households received loans to build houses...
Vietnam Bank for Social Policies, Ninh Thuan branch, disburses loans to people. Photo: Van Ny
Along with the disbursement process, the integration of agricultural, forestry, fishery extension programs and technology transfer has always been regularly directed by Party committees and authorities at all levels; many households have learned how to do business, invest in production to increase income and improve their lives. Mr. Truong Van Hien, Truong Sanh village, Phuoc Hau commune (Ninh Phuoc) is one of the typical examples in the movement of starting a business, effectively developing household economy from loans from the Bank for Social Policies. With 100 million VND borrowed from the job creation program, he invested in trees and breeds to implement a model of livestock farming combined with crop farming. With his hard-working and diligent nature, along with the knowledge acquired through training courses, the model has brought certain success. He is currently raising 4 cows and growing 3 sao of apples. In addition, he also buys apples from local people, combined with opening a grocery store, helping to improve his life, becoming a well-off household. From loans from the Bank for Social Policies, more and more effective production models have appeared in the province, such as: "1 must, 5 reductions" model in rice production, growing green asparagus using water-saving irrigation systems; safe grape and apple production following VietGAP; "Fattening cows" model, "breeding cows" model... Through actual production, the Government's preferential credit capital has accelerated the poverty reduction process, the poor households in the whole province by the end of 2023 are now 4.21% and contributed to the completion of 31/47 communes meeting new rural standards.
Comrade Nguyen Long Bien, member of the Provincial Party Committee, Vice Chairman of the Provincial People's Committee, Head of the Board of Directors of the Provincial Bank for Social Policies Branch, acknowledged: Social policy credit is a particularly important capital support program, meaningful and deeply humane, clearly affirming the goals and tasks of the Party and State on economic growth along with social progress and equity. Over the period of implementing Directive No. 40-CT/TW, it has created high consensus among the entire political system in the province, borrowers have also better understood their rights and responsibilities when participating in borrowing capital, thereby raising their sense of responsibility in using capital for the right purpose, bringing about efficiency. Promoting the achieved results, in the coming time, the Provincial Party Committee, the Provincial People's Committee and Party committees and authorities at all levels will continue to strengthen leadership and direction to better implement Directive No. 40-CT/TW of the Secretariat, in order to improve the material and spiritual life of people in the whole province.
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* Comrade Pi Nang Thi Thuy, Head of the Provincial Ethnic Committee:
Directive No. 40-CT/TW is a major policy, demonstrating the deep concern of the Party, the State, Party committees and authorities at all levels for ethnic minorities. With that important meaning, in recent times, the Provincial Ethnic Committee has proactively coordinated and advised the Provincial People's Committee to issue guiding documents to effectively organize and implement loan programs. Policy credit has changed the face of rural areas, people's lives have been increasingly improved, contributing to narrowing the gap between the rich and the poor between ethnic minority and mountainous areas and other areas in the province; at the same time, multiplying people's trust in the leadership of the Party and State.
* Comrade Phu Anh Lan, Deputy Secretary of the Party Committee of Phuoc Dan town (Ninh Phuoc):
After Directive No. 40-CT/TW was issued, Phuoc Dan Town Party Committee has promptly disseminated, disseminated and propagated to cadres, party members and people in the area, especially implementing Action Program No. 01-CTr/HU dated July 24, 2015 of the District Party Committee Standing Committee on strengthening the Party's leadership over social policy credit. In addition, every year, the Town Party Committee issues a thematic resolution on leadership, direction and ensuring that people have quick access to preferential capital from the Government. The total outstanding loan balance of the Social Policy Bank in the town is 150 billion VND, with 3,063 households borrowing, a source of capital to promote the continuous development of household economy, contributing to the successful implementation of the National Target Program on sustainable poverty reduction.
* Mr. Nguyen Ngoc Duc, Head of the Savings and Loan Group in Truong Sanh village, Phuoc Hau commune (Ninh Phuoc):
As the team leader, I always fully comply with the contents of the authorization with the bank; regularly coordinate with the village to review the subjects, create conditions for poor households, near-poor households and policy subjects who have needs and meet the conditions to promptly access policy credit capital. At the same time, regularly check the situation of loan capital use, remind team members to use capital for the right purpose, and pay principal and interest according to regulations. Thanks to that, the quality of the team's activities is always maintained effectively, for many consecutive years it has been classified as good, and has not incurred bad debts.
Hong Lam
Source: http://baoninhthuan.com.vn/news/148450p1c25/chi-thi-so-40cttw-tao-dot-pha-trong-thuc-hien-tin-dung-chinh-sach-xa-hoi.htm
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