Check the use of policy capital in Nga An commune.
Together with other units in the branch, currently, Nga Son Social Policy Bank has proactively developed an operating plan suitable to the situation of each locality, ensuring that disbursement, debt collection, interest collection, etc. activities take place smoothly. In addition, to ensure the rights and convenience of people when accessing preferential credit policies, Nga Son Social Policy Bank continues to maintain 23/23 transaction points at the old transaction points as before. At the same time, the unit has closely coordinated with the People's Committees of communes, political and social organizations entrusted to notify about transaction locations, fixed transaction schedules, transaction times, and lists of villages in transaction points for savings and loan groups and loan customers to grasp and come to transact. Thereby, in order to create maximum convenience for people when coming to transact, avoid having to travel far, reduce travel time and costs, or change financial living habits, without affecting people's access to capital. In particular, the bank also coordinates with the People's Committee of the new commune to create favorable conditions for customers in confirming loan applications and authorization procedures to ensure that there are no problems with administrative procedures.
After the administrative boundary merger, the transaction points of Nga An commune are still maintained stably at the old location thanks to the attention and facilitation of the local government. At the transaction points, the bank has arranged a space for working and posted public signs promoting policy credit. In addition, the People's Committee of the commune also closely coordinated with the commune police to implement a protection plan at the transaction points of the Social Policy Bank to ensure the safety of people and property during transactions. This attention not only helps people continue to access preferential credit sources and transact with the Social Policy Bank conveniently, but also demonstrates the consistency in the policy of "close to the people, close to the people" of the Social Policy Bank. The stability of this network of transaction points has received high consensus and support from the leaders of the savings and loan groups as well as the majority of the people.
Ms. Mai Thi Hao in Nga An commune said: "Previously, I received a loan of 50 million VND from Nga Son Social Policy Bank for the near-poor household program to invest in economic development. From July 1, Nga An commune merged with Nga Dien and Nga Phu communes to form the new Nga An commune. The commune People's Committee headquarters is located in Nga An commune (old), nearly 10km from my house. After the commune merger, Nga Son Social Policy Bank continued to conduct transactions at the transaction point of Nga Dien commune (old), so I feel very secure and convenient because I don't have to go far."
Director of Nga Son Social Policy Bank, Cu Minh Thanh, said: “Although the name of the unit and administrative boundaries have changed, the policy credit flow is still guaranteed to be smooth. We identify the spirit of serving the people as the center, so all stages of reorganization are carried out quickly, neatly, in accordance with regulations, without causing disruption to borrowers and related organizations. Currently, Nga Son Social Policy Bank is focusing on policy credit capital sources for lending to develop production, business, create jobs, help poor households and policy beneficiaries to stabilize their lives, contribute to the implementation of the national target program, create jobs, ensure social security, and sustainable poverty reduction. The team of bank officers and employees continues to focus on closely following the grassroots, proactively coordinating well with local authorities and mass organizations in the area to bring capital to the grassroots; creating a fulcrum for people, especially the poor, near-poor, and households in difficult circumstances to access investment capital. production, gradually escape poverty and stabilize the economy. Policy credit programs have become a strong driving force in poverty reduction, especially for poor households and policy families. Thereby, helping many households not only escape poverty but also develop family economy, build a sustainable life through self-effort".
Maintaining the transaction network as before the merger has helped poor households and other policy beneficiaries after the administrative restructuring not have to travel far, creating stability and peace of mind in accessing loans. By early August 2025, the total outstanding balance of loan programs of
Nga Son Social Policy Bank achieved over 620 billion VND, credit growth rate reached 4.72%, with 15 credit programs currently lending in the area. Average outstanding loan per household reached 58.8 million VND, an increase of 3.8 million VND/household compared to the beginning of the year (55 million/household). The fact that Nga Son Social Policy Bank quickly stabilized its organization and maintained its operations is a testament to its agility and proactiveness in adapting to major administrative changes. The smooth flow of policy capital contributes significantly to ensuring social security, effectively implementing the goal of sustainable poverty reduction and new rural development.
Article and photos: Khanh Phuong
Source: https://baothanhhoa.vn/bao-dam-thong-suot-dong-von-chinh-sach-256644.htm
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