When credit capital becomes a driving force for change
The story of Mr. Nguyen Tan Mang, a 4/4-class disabled soldier in Can Giuoc commune, is clear evidence. Returning from the Southwestern border battlefield, he faced a difficult life and lack of production capital. With the support of the Commune Veterans Association's loan of 50 million VND from the Social Policy Bank (SBV), he started a vegetable growing model. Every month, he has a few million VND extra to cover his living expenses and pay the bank regularly. Today, he has escaped poverty and lived stably thanks to "fishing for food" from policy credit capital.
Similarly, Mr. Phan Van Thang in Binh Duc commune was supported by the Veterans Association with a loan of 50 million VND to renovate an ineffective jackfruit garden into a seedless lemon garden. The lemon garden has produced fruit, bringing a stable income and helping his family get better off. "Thanks to loans, my family boldly converted crops. Now, not only enough to eat but also saving" - Mr. Thang shared.
According to Vice Chairman of the Tay Ninh Provincial Veterans Association Nguyen Van Mot, up to now, more than 35,300 members have accessed social housing loans with a total outstanding loan balance of over VND 1,700 billion. The average outstanding debt reached 48.38 million VND/household. This capital is a practical gratitude to war invalids, veterans and policy families, he emphasized.
Not only veterans, many ethnic minority households have also found a way out of poverty thanks to credit capital. Ms. En Ha Sina, a Cham in Tan Ninh ward, borrowed 50 million VND to buy breeding cows. The mother cow gives birth to the young cow, the family raises it and then sells it to repair the house, pay for her children's education and buy a means of transportation to work. "Without preferential capital, my family would find it difficult to escape the shortage of immediate help and return to work" - she confided.
Accompanying future generations
Policy credit capital also opens the door to knowledge for many students. The case of Ms. Phan Thi Thuy Duong in Tan Ninh ward is a typical example. When both children graduated from college at the same time, the family fell into a state of anxiety because they did not have money to cover tuition, accommodation and living expenses. Fortunately, the Social Policy Bank promptly lent 40 million VND/year to each student. "If there were no loans, one of the two children would definitely have to stop dreaming of going to university" - Ms. Duong emotionally said.
According to statistics, the total mobilized capital of the Tay Ninh Provincial Social Policy Bank as of July 2025 reached more than 11,732 billion VND. Of which, the capital entrusted from the local budget is more than 1,680 billion VND, an increase of 46.2% compared to the beginning of the year. Total outstanding loans of credit programs reached VND 11,685 billion, up 8.47%, equivalent to 82.86% of the annual plan.
In just 7 months, policy credit capital has helped 13,201 poor households, near-poor households and other policy beneficiaries borrow capital; created jobs for 15,203 workers; supported 1,286 disadvantaged students; built 25,829 clean water and environmental sanitation works; and 54 social housing units. These are telling numbers, showing that policy credit is spreading widely, reaching every corner of people's lives.
Joining hands for sustainable social goals
Vice Chairman of Tay Ninh Provincial People's Committee Pham Tan Hoa affirmed: Social policy credit activities in the past 7 months have been implemented synchronously and in line with the orientation, contributing significantly to poverty reduction, job creation, limiting black credit, ensuring social security and stability. He emphasized: "Policy credit not only brings economic efficiency but also maintains political security and social order, creating a foundation for sustainable development".
To further promote efficiency, the Provincial People's Committee requests the VBSP to focus on strictly implementing the Central's directives on policy credit development; speeding up disbursement progress, especially social housing lending; reasonably arranging transaction points, not allowing people to be interrupted in borrowing capital.
From small models such as vegetable gardens, lemon gardens or breeding cows, to newly built houses and the dream of a university, policy credit has been writing the story of changing tens of thousands of families in Tay Ninh. This is not only an economic capital flow but also a flow of trust, sharing and social responsibility.
The cooperation of all levels, sectors, localities and the VBSP is creating a solid foundation for people to rise up, gradually escape poverty, get rich legitimately, and contribute to ensuring sustainable security for the whole province.
