From preferential loans from the Social Policy Bank, people in Dan Ha commune (Ky Son) have invested in developing production and sustainably alleviating poverty.

With the partial fiduciary lending method through socio-political organizations, the Social Policy Bank and the other social organizations have built up a network of savings and loans to 100% of villages, hamlets and population groups in the province to gather the poor households and the ones with a poverty threshold and the policy beneficiaries who need to borrow money from Social Policy Bank to invest in developing production, creating jobs and improving lives. Currently, the associations and unions are managing 2,819 savings and loans groups, of which 2,632 savings and loan groups do not have overdue debts. Along with that, there is the network of the fixed transaction points at 210 communes, wards and towns in the whole province helping people easily access the services of the Social Policy Bank.

Up to now, the Social Policy Bank of the province has been implementing 16 policy credit programs with the total debit balance of over 2,931 billion VND and 139,136 customers with the debit balance. The overdue debt ratio has accounted for 0.14% of total debit balance. In 2018, the policy credit capital in the province helped 38,700 turns of the poor households and policy beneficiaries borrow capital to invest in the economic development and life improvement.  The policy capital has contributed to creating new jobs for 3,063 employees, helping 207 disadvantaged students get loans to study. It also helps to set up and repair 9,820 clean water projects, 9,485 sanitation works in the rural areas, buildi 1,054 new houses for the poor households. Thousands of households in disadvantaged areas have got loans to develop production and business. The policy credit sources have given support to the poor household, the ones with a poverty threshold and ethnic minorities, making themselves with  familiarizing with the market mechanism, commodity production. They have step by step overcome the difficulties to develop economy, stabilize and raise the quality of life, limiting the black credit situation, contributing to eliminating the rate of the poverty households in 2018.

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