Guidelines for loans under decision No 74/2008/QD-TTg dated 9/6/2008 by the Prime Minister on a number of policies supporting land, soil and produce jobs for ethnic minority households poor, difficult life in the Mekong River Delta region of the period 2008-2010 _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ Day 9/6/2008 the Prime Minister issued decision No. 74/2008/ QD-TTg on some policies that support land, soil and produce jobs for ethnic minority households poor, difficult life in the Mekong River Delta region in the period 2008-2010 (hereinafter referred to as the decision 74). 74 the decision was made at the 13th, City: Vinh Long, Tra Vinh, Soc Trang, Hau Giang, An Giang, Kien Giang, CA Mau, BAC lieu, Dong Thap, Ben Tre, Tien Giang, Long An and can tho on 03/10/2008, the Committee of the nation issued the text of 886/BTM DATED CSDT-about the guidelines decision No 74 (hereinafter referred to as document No. 886).
To implement decision No 74 and 886 text above, General Director of the Bank of social policy (VBSP) guide the process, lending procedures are as follows: i. SOME CONTENT is UNDERSTOOD and IMPLEMENTED UNIFORMLY in the TEXT instructions: 1. loan conditions:-the object was in the household is the beneficiary under the policy decision 74 , was named in the list of poor ethnic minority households are the people's committees (DPCS) district level approval.
-Have the production approach, specific business Government and social-political organization of social support.
-Households borrow not property but must be a members savings and loans (TK & ETC) due to a social-political organization founded, is the average public lenders, democracy.
-For households that needs the loan to convert or open the add local industries must have more conditions is there labour in age (who is at least 15 years old, has enough ability to labor). Private loans to go to foreign workers, the people who go to foreign workers in the age from 16 years to 35 years.
2. Utilize loans in the following: Each ethnic minority households in poverty that is the beneficiary under the policy decision No 74 be loan to use in either of the following: 2.1. For households in need of land for production: borrowed money was used to buy land for production.
2.2. for households is not found or there is no demand for land production that has aged workers wishing to convert or open more branches, are lending to UTILIZATION: a) stores, agricultural machinery tools services for the households of agricultural production in the region and the cost to convert or open the add local trades.
b) costs for Labor export according to the employment contract such as: deposit money, plane ticket, the cost of health ...
Note: for a labor in the age of household borrowing only to costs under section a or section b 2.2 points.
3. loan Rate: 3.1. Lending by Central's capital moved to: a) for households to have land production: maximum loan Level not exceeding VND 10 million.
 b) for households to farm shopping tools, engineering services and the cost to convert or open up more industries locally: maximum loan Level not exceeding VND 10 million. For households have workers Labor export: maximum loan levels not to exceed 20 million, a labor export.
3.2. in case of local budget resources, additional support to lenders on the levels of UTILIZATION rules follow the decision of the local PEOPLE'S COMMITTEE.
3.3. in case of households in need, subject to the beneficiary and eligible for loans under the program's current credit UTILIZATION is UTILIZATION review of lending according to the current rules of each program.
4. The time limit for the loan: loan term specific to each of the households was determined based on the purpose of use of the loan and the repayment ability of the borrower, but do not exceed the maximum lending period following regulations: a) for lending to productive land: not more than 5 years (60 months).
b) loan for agricultural tools, shopping services and machinery costs to convert or open the add local trades: not more than 3 years (36 months).
For laborers to export: not too time to work abroad under labor contracts.
5. loan method:-follow the method mandated each section through the social-political organization level.
-For the places that already have a nest TK & active, ETC. If the borrower is not a member of the TK & joined to TK ETC & ETC and place TK-enrollment institutions ETC. & to conditional borrower loan procedures. For those where not that TK, then founding TK ETC & & ETC under the new organization and operation of the TK & ETC. II. Procedures, BUSINESS PROCESSES: 1. loan records:-loan proposal Paper cum production projects (model No. 01/TD) due to the UTILIZATION of available printed and issued to households in need loans.
For the borrower to have land produce is more proof of received production land or transfer papers land use production-level PEOPLE'S COMMITTEES of communes.
For the loans go to export labour more labor contracts signed between workers with the hiring Party.
-TK & Nest meeting minutes ETC. to the borrower to the borrower for cases not yet involved with TK & ETC or is there meeting minutes establishing for the hamlet (hamlet) yet that TK & etc of UTILIZATION (model No. 10/TD).
-The list of suggested household loan (model number 03/TD, hereinafter referred to as the list 3) certified by the social PEOPLE'S COMMITTEE.
2. the lending process: 2.1. When the borrower needs a loan, then the written loan proposal Paper cum production variant was the social-political organization-level or township-level PEOPLE'S COMMITTEES assist the Township borrowed up and send to the TK & etc. For the borrower to produce the enclosed proof of received production or land transfer documents of land use in production of Social PEOPLE'S COMMITTEE. For the borrower to export labour include employment contract.
2.2. organizational meeting Hosted TK & ETC, the name of the representative household name with loans standing list of poor ethnic minority households are district-level PEOPLE'S COMMITTEE approval, and public review comments, democracy in order of priority: the policy object, the more difficult is the previous loans (case not enough capital to lend) , then make a list of suggested household loans (model No. 03/TD) with recommended Paper loans of individual households, labour contract (if applicable), proof of the land has produced (if any) send level PEOPLE'S COMMITTEE confirmed Township (hereinafter the loan records).
The representative household name loans must be members of poor ethnic minority households in the list-level people's Committee approval. Case, who represents the families named in the list of district-level people's Committee approved but did not stand in the name of the borrower in the loan record that sent other members of households borrowing, then stood out to be social PEOPLE'S COMMITTEE confirmed on paper suggest cum loans scheme produced the content.
"He (she) ... ... is the wife (husband, father, mother, baby) he (she) ... ... named in the list of ethnic minority households (DTTS) were poor browser" on the left side of the head position of the nest TK & ETC. 2.3. After confirmation of social on the March list, the TK send entire UTILIZATION ETC & resumes loans.
2.4. Utilize officers assigned to make checking the legality, of the loan records according to the rules, in which note the borrower's name on the list of 10 must be named on the list of poor ethnic minority households are district-level PEOPLE'S COMMITTEE approval; the case represented the household was the beneficiary of policies on the two lists do not match, they must be certified according to township level PEOPLE'S COMMITTEE's instructions in section 2.2 of this point 2 above. Then the Director of the UTILIZATION of loan approval. UTILIZATION notice results approved lenders send social PEOPLE'S COMMITTEE.
2.5. social PEOPLE'S COMMITTEE announced the results of approval of lending for social-political organization-level town (loan trust unit) to report to the TK, TK ETC & & ETC info list who was lent, the time and location of each borrower to disbursements.
3. Organize disbursed: a) UTILIZATION made disbursements as follows:-for the Labor export loans: borrower to UTILIZE headquarters where lenders to loan money transfer procedures for business permission bringing laborers Labor export according to the employment contract. The case of the hiring party has proposed in writing, then the UTILIZATION can play lend money directly to the borrower at the specified location.
-For the borrower to have land production: written paper borrower guide UTILIZATION suggest turning the loan for paying the (unit) to provide land for production and UTILIZATION carry cash or transfer to the (unit) to provide land for production.
– For the borrowers of agricultural tools, shopping services machinery or the cost to convert or open more industry: depending on the specific conditions, the bank where lenders can choose disbursement method directly in cash to the borrower or transferred to the seller under the witness of representatives Hosted TK & ETC. , social-political organizations receiving mandated.
b) When disbursed, the Bank officials the full record content and require the borrower to sign the loan as specified.
4. Currency debt: 4.1. The original debt collectors are made periodically for 6 months or a year due to the borrower and UTILIZATION agreement. Cases, the borrower has unpaid debt difficulties, according to the original term of repayment according to the agreed repayment divergence, then be watched on next repayment term (no overdue transfer of each term and the borrower doesn't have to do a term debt adjustment procedure).
4.2. Before 30 days of final repayment deadline, sending UTILIZATION socio-political organizations receiving mandated notification list due debt of TK & ETC. (according to the model No. 19/TD attached) to notify the supervisor of the nest TK & ETC urge borrower repayment for the Bank.
5. Handling of the debt to the limit: a) case to repay the borrower, not the final repayment due to objective reasons, the working paper proposed the extension of the debt to be considered for renewal bank debt.

b) borrower may be extended one or more times the debt but the total time for the extension of the maximum debt in 12 months for short-term loans and no more than 1/2 the time limit has loans for medium-term loans.
6. transfer of debt overdue repayment deadlines:-up to the last, the borrower does not repay debt and UTILIZATION are not approved for renewal of the transfer of outstanding debt to overdue debt. 
-Where the borrower uses the wrong purpose, capital UTILIZATION where lenders make debt collection before maturity or move to the right amount to misuse of purpose.
7. Inspect, monitor and handle the loan: a TK) & ETC:-TK & ETC have the task of checking the conditions of the loan the borrower's receipt of the Paper suggest that loans from the lenders to determine the true object of the loan.
-Regular inspection duty, monitoring of borrower urge TK & ETC use the loan for your purposes, debt-term commitment; witness and examine the loan disbursements, debt collection.
-Along with the social-political organization and UTILIZATION of silver desk officer uniform comments handling delinquent debts, owed the PEOPLE'S COMMITTEE of social risk were suggested process.
b) social-political organization social:-direction and join the meeting organizer Hosted TK & ETC Nest to the average borrower has to publicly review the needs of eligible loans and apply for loans taken to list 3.
-Check, monitoring the process of loan the borrower in the form of publicly reconciled (model No. 06/TD) and timely notice to the bank where the lenders about the case using the wrong loan, loan purpose, pulling away, dead, missing, being risks by objective causes (natural disaster , disease, fire, ...) to take measures promptly. Coordinate and UTILIZE local authorities handle the case of chây debt overdue, particularly and borrower Guide to profile suggest handling debt risks by objective causes (if available).
-Directs and supervises the management of the nest TK & ETC in implementing the mandatory contract signed with DONG THAP.
c) for UTILIZATION:-perform checks against a list of 3 with a list of crew members TK & ETC. (model No. 10/TD).
-Periodically or irregularly, VBSP leader invited Board members to UTILIZE the same level of BOARD representation made test programs, monitoring the operation of the TK and the borrower, ETC. & of subordinate organizations in the credit policy Executive and effective use of the borrower's loan.
-Proactively organize periodic briefing at the location in town to discuss mandate results exist, problems, solutions and recommendations to handle debt, overdue debt, debt, debt risks being compromised (if available).
8. Handle the debt being risks by objective causes: follow the decision No 69/2005/QD-TTg dated 4/4/2005 of the Prime Minister; Circular No. 65/2005/TT-BTC dated 16/8/2005 of the Ministry of finance and decision 55/QD on February 24, 2006 of the President of the Board of UTILIZATION.
9. record retention loans: the entire loan records are kept in the Accounting Division UTILIZATION where lenders.
III. IMPLEMENTATION: 1. The work plan: every year, the Bank cooperation with the peoples of the same level of demand planning for loan capital loan program of ethnic minority households poor, difficult life posted superior Bank according to the current rules of UTILIZATION.
2................................................ commune (commune, Ward) ... _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ 1818 report, statistics mode: 2.1. The statistical report follow the text guides on the current statistics report of the Director-General of UTILIZATION.
Every month, of before November 7 provincial branch reporting the result of lending to poor ethnic minority households, difficult life under form No. 02.10/BCTD attach additional lenders and households poor minorities into 2 current relevant reports, including the report of results: — loans to poor households and other policy objects (model No. 01/BCTD) :-the report classified according to loan unit trust (form No. 05/BCTD) (attached).
2.2. the reporting on the implementation of this program loan according to the requirements of the national and PROVINCIAL PEOPLE'S Committees at the same level (if any).
3. On open account, accounting and pay service fees mandated for social-political organization, pay commissions to the TK & ETC are made according to the text's own instructions to the Director General.
4. UTILIZATION of the local places made the decision to have 74 households poor, minorities had a difficult life shall report the PEOPLE'S COMMITTEE and representatives of the Board of the provincial level, district level to implement decision 74.
5. popular organizations 74 decisions content, text and content training 886 this text to UTILIZE officers, social-political organizations, officers Hosted the PEOPLE'S COMMITTEE officials etc. and & TK social development loan program regulations.
6. Organizing advocacy and public policy advocates, the list of households are borrowing, public debt to East the island populace know to monitor the work of UTILIZATION.
The point is not the guidance in this document, the UTILIZATION done as defined in decision No 74/2008/QD-TTg dated 9/6/2008 of Prime and writing guide/BTM DATED 886-CSTD on 03/10/2008 of the Commission. The implementation process, have concerns about reporting headquarters UTILIZATION review, resolve.