At the former Na Cô Sa commune (now part of Quảng Lâm commune), policy credit activities had previously been managed by the Nậm Pồ transaction office. Following the merger, and in line with regulations that assign credit operations to the VBSP office overseeing the new commune headquarters, responsibility was transferred to the Mường Nhé transaction office. Upon reception, the office quickly reviewed loan portfolios, borrower lists, and entrusted mass organizations to ensure smooth continuity.

“At the time of handover, Na Cô Sa had an outstanding balance of over VND 35 billion with more than 730 borrowers. We immediately reassessed all credit groups to guarantee no disruption for the people,” shared Dương Thành Nghĩa, Director of the Mường Nhé transaction office.

At the Mường Thanh transaction office (formerly the Điện Biên district office), the process was equally thorough. Credit activities from the former Mường Pồn commune were handed over to Mường Chà office, while Mường Thanh itself assumed responsibility for two new wards, Noong Bua and Nam Thanh. Adjustments were needed, including changes to transaction schedules.

“Before, both wards had fixed monthly transactions on the 17th, which clashed with two other communes. We shifted them to the 5th of each month and carried out strong communications so people wouldn’t miss their sessions,” explained Trần Trung Kiên, Deputy Director of the Mường Thanh office.

Despite major administrative changes, policy credit activities across all newly assigned areas have stabilized. Offices have carefully updated databases, borrower lists, and ensured accuracy and transparency without any loss of information. Disbursements, repayments, and interest collections continue efficiently, enabling poor households, near-poor households, and other policy beneficiaries to promptly access preferential loans for livelihood development.

By August 31, total policy credit outstanding in the province reached over VND 5,300 billion, up VND 295.9 billion compared to the beginning of the year, serving 76,421 borrowers. These figures reflect the timeliness and flexibility of VBSP in ensuring uninterrupted capital flows even amid administrative restructuring.

In total, 10 communes and wards have had their credit operations reassigned to new VBSP transaction offices. This demonstrates not only the Bank’s adaptability but also its vital role as a “bridge” bringing preferential policy capital closer to the people, supporting poverty reduction and economic growth.