APPENDIX I: SUMMARY OF RESULTS ACHIEVED BY KY ANH CREDIT-SAVINGS PROJECT (ON THE BASIS OF THE PROJECT LOGIC
FRAME)
Objective
Purposes
Content
The living conditions
of Ky Anh women is
improved
Indicator
Outcomes/comments
1. Ky Anh women’s At the end of the project in 
credit-savings
March 2003:

project
is 1.1. the
project
is
strengthened,
implemented
in
10
expanded
and
communes with 2000
targeted to the poor
member- borrowers
1.2. 90% of poor women in
the project sites join the
project
1.3. 95% borrowers pay loans 
from
the
incomes
generated with these
loans
1.4. 90% of credit-savings
stakeholders increase net
income (through increase
in assets) from the loans.

As of 30/6/02, the project was implemented in 10 communes with 3,351 members
According to collected data, currently the project reach 73% the households located
in the project’s area (against the project’ target of 90%). Though not yet achieving
the set objective, it has been a great achievement of the project. It is actually
extremely difficult to reach the target of 90%. The expansion of scope under limited
resources would be inconsistent with the financial sustainability purpose set by the
project. Besides this, the project is facing strong competition from other financial
institutions such as VBARD, the Bank for the poor which are trying to extend
services to the poor at much lower interest rates.
Only 45% of the poor surveyed said that they repaid loans with income directly
generated from these loans. The project applied the mode of installment repayment
so borrowers usually utilize petty incomes from other sources to repay monthly dues
of interest and principal. Most interviewees said that the monthly repayments are
actually what the a paying for a large sum of saving which they have since they
receive the loan. Besides, grace period is too short for borrowers to pay their
monthly interest and loans with the incomes generated from the loans in the initial
months of the loan cycle (normally, duration of time that a borrower needs for an
agricultural production to generate cash income is four months).
In general, the purposes of living condition improvement and income increase with
loans were achieved. In the field survey, almost (90%) of the member-borrowers
confirmed their income increase, but the level of increase was very different
amongst different communes.
Content
2. Enhancement of
the capability of
women's union staffs
and borrowers
Indicator
2.1. 100% of the credit-savings 
project staffs having skills in
managing and handling the
project and knowledge on
gender and other social
sciences
2.2. 100% of the credit-savings 
group members understanding
the project



3. Sustainable creditsavings model in Ky
Anh is
acknowledged and
introduced around
the district and
province
3.1. Model and methods of the 
credit-saving project are
described in writing and
introduced
to
other 
financial institutions such
as the Bank for the poor,
VBARD.
3.2. Increase of 20% of poor
women having chances to
get access to bank loans in
Ky Anh
Outcomes/comments
Capability of the Ky Anh Women’s Union staff was improved considerably in the
following areas: (i) ability to manage a credit-saving program; (ii) skills in social
activities (communication, contact, group leadership, management…). The objective
of improving the capacity of the Ky Anh Women’s Union staff has been achieved. It
is could be stated that 100% of the project personnel were capable of handling the
project under the current operation mechanism of the project.
The Women’s Union staff could improve their knowledge on gender and
organization of group activities. The results of the project were the basis for the
Union’ staffs to persuade local authorities to include gender issue into training
agenda at the district level.
However, due to the complexity of credit saving programs (in relation to credit and
savings activities) and that Ky Anh Women’s Union staffs working on the project
on a part time basis, the transfer of the project to Ky Anh Women’ Union was a big
challenge for its staff.
100% of the project members surveyed understood the purposes, conditions of
participation, group regulation and credit regulations…
Most of the project members efficiently used their loans. About 91% of the persons
surveyed insisted that their income increased noticeably. This was reaffirmed by the
high rate of repayment within the project (99,2% according to the report of Ky Anh
Women’s Union).
The Ky Anh Women‘ Union made a great effort to compile meterials on the project
and model. However, introduction of other financial institutions such as VBARD
and the Bank for the poor was not made at a high level.
Amongst the interviewees, about 29,3% could borrow from banks before they
participated in the project (please refer to the section Impacts of the project on
borrowers in this report). A number of members who borrow from banks increased
by 6.7% after 5 year the Project is implemented. This increase is lower than the set
target which is 20%. But, the figure of 36% of members being able to borrow from
formal bank after participating in the Project is very meaningful in the market credit
conditions of Ha Tinh.
Activities
Content
1.1. Surveys are
conducted
communes in which
the Project is
covering or or will
cover
1.2. Adjusting the
project in order to
match the ability of
borrowers in
repayment
2.1. Organising
training courses for
project staff and
members-borrowers
according to
suggested needs
2.2. Improvement of
project management
staffs to manage and
carry out accounting
works.





Indicator
Surveys on the living 
conditions of members
were conducted in 10 poor
communes. Members are
classified according to the
criteria of the project based
on criteria of household
classification
by
the
Ministry of Labour, Social
Affairs and War Invalids
(these criteria are used for
the
project-end
assessment)
Bookkeeping system and 
interest of credit and
savings
are
revised
adequately
Outcomes/comments
Up to now, in the 10 communes where the project is being implemented, the project
has completed surveys and household classification. Conducting surveys and
household classification of 10 communes was carried out with good results obtained
with the methodogy highly suitable to the local conditions. The survey and the used
methodologies could be replicated in other similar credit savings projects.
100% of credit savings 
group members are trained
for group management and
development skills.
100% of staffs trained for
credit-savings management 
and experience of other
credit-savings models (in
the
province
and
nationwide). 100% of
members borrow.
The
Women’s
Union
participates in training
courses
organised
as
explained above.
Training of staffs was especially paid attention to under the project. Almost 100% of
the project staffs from the ditrict to the grassroot levels were trained for appropriate
contents such as credit, acconting (depending on which tasks), group management,
leadership skills, communications... The training was extended to all the group
leaders, but remained limited.
Ky Anh Women‘s Union was active in training and communication activities.
Through meetings, conferences and different social events in the province, the union
actively introduced the projects, the models, lessons learnt in the implementation of
the project.
Bookkeeping system has not been efficient. At the level of commune, bookkeeping
workload carried by commune staffs and, especially by group leaders were too
heavy and cumbersome. System of report forms was not standardized, for example,
assets balance sheet at the district level.
Content
2.3. Providing main
techniques business
skills, agriculuture
extension knowledge
for borrowers
3.1. Monitoring and
assessing and
adjusting the project;
meantime, summing
up and drawing
lessons for further
projects.
3.2. Sharing the
experience of the
project with
VBARD, the Bank
for the poor,
committees of
reduction poverty
and relevant offices
of the Ky Anh
district and Ha Tinh
province
Indicator



Organising assessment of 
the project and seminar
once/y (commune and
district)



Outcomes/comments
Credit-savings activities were not closely related to agricultural extension services
and technical guidance. Within the project, only some training courses for members
were organized on agriculture extension. Attempts to help members apply
technologies into breeding production were limited. This is the point that needs to
be paid higher attention to in the coming time.
Annual assessment of the project was conducted well. Workshops in the frame of
the project were aimed at evaluating the project, especially the workshop taking
place in Noveber-2000 was very meaningful.
Workshops were profoundly prepared and participation of the project’s beneficiaries
was well-organised through workshops.
Ky Anh Women‘s Union staff exerted a great effort to disseminate on their creditsavings model at district and provincial conferences in which staffs from VBARD
and the Bank for the Poor also participate.
Content
3.3. Building a
strategy to link with
formal credit
institutions in Ky
Anh such as
VBARD and the
Bank for the Poor, or
people’s credit
funds, social
organisations in the
district and province.
3.3. Building a
strategy to link with
formal credit
institutions in Ky
Anh such as
VBARD and the
Bank for the Poor, or
people’s credit
funds, social
organisations in the
district and province.
3.4. Linkage with the
Bank for the poor to
build a cooperation
project for
expanding the Ky
Anh credit savings
model.
Indicator
Established and strengthened 
relationships between Oxfam
and Ky Anh Women’s Union,
and the province and other 
credit organisations performing
in the area
Outcomes/comments
It is a point that has not gained adequate focus under the frame of the project. Ky
Anh Women’s Union said that this would be the priority of the Union in the coming
time.
Linkage with banks is very meaningful in credit extension and saving mobilisation
from members.


Linkage under the project is chiefly with commune social organisations and local
authorities. Linkage activities with formal financial institutions were limited.


As discussed above, this issue needs to be focused in the implementation of the
project in the future.
Content
3.5. Co-ordinating
with the activities of
DFID and the
provincial Women’s
Union
3.6. Assessment of
outcomes in coordination with
credit organisations
within Ha Tinh
province and the
provincial Women’s
Union
Assessment of Ky
Anh credit-savings
project
Indicator






Outcomes/comments
Dissemination of the new model was directly carried out through channels such as
conference, workshops in the province, district and communes. Ky Anh Women’s
Union staff were active in disseminating and advertising this model. They were
invited to present at some provincial conferences and workshops. This was the
encouraging achievements of the project.
Assessment of the outcomes were conducted quite well, but this process was limited
just within the organisations of the provincial and district Women’s Union.
Moreover, linkage with credit organisations in the area was limited.
Implemented
Appendix2. Financial Sustainablity analysis of Credit and Savings Program in Ky Anh Province
Case 1
Break-even point analysis
Case
1 commune 6 months
Hypothesis
Project starting time
1. No. of members
2. No. of group leaders and vice
group leaders
3. No. of WU staff working for
project
1.Sources of fund
a. Fund needed for commune
activity
b. Current rotating fund in the
commune
a. Equipments
b. Training at the district and
commune level
c. Total (a+b+c)
3. Administration cost
a. Ratio of district management fee
to total outstanding per month
b. Salary and administration at the
commune level
c. Reward fund
Case
2
Case
3
Case
1
commune
6 months
1 commune
6 months
6 months
300
300
300
60
60
60
3
3
3
177,049,19
0
181,549,19
0
177,049,19
0
150,000,000
154,500,000
c. Total outstanding loan
2. Equipment and training cost
1
150,000,000
263,414,635
267,914,635
263,414,635
Cost:
Month
Office and travel
cost
270,000
Salary for three
WU staff
180,000
Group leaders
300,000
Vice group leaders
150,000
Current
contributio
n rate
0.26%
40%
5%
5,400,000
675,000
0.26%
40.0%
5.0%
5,400,000
796,721
33.9%
5.0%
0.26%
Total
5,400,000
1,185,366
22.8%
5.0% Cost
900,000
6 months
d. Mamagement fee to district
e. Growth fund
f. Risk management fund
* Risk management fund /Total
outstanding loan
Total cost
4. Income from credit activity
Income from intended interest
17%
33%
5%
2,708,853
5,258,361
1,770,492
17.0%
33.0%
11.1%
4,030,244
7,823,415
5,268,293
17.0%
33.0%
22.2%
0.5%
1.0%
13,500,000 100.00% 15,934,427
100.00%
2.0%
23,707,317
100.00%
15,934,427
0
Break-even point analysis
Case
1
2
Case
3
Case
1
commune
6 months
1 commune
6 months
6 months
300
60
60
60
3
3
3
138,666,670
Current
Case
300
143,166,670
c. Total outstanding loan
0
300
138,666,670
5,400,000
23,707,317
0
1 commune 6 months
Hypothesis
Project starting time
1. No. of members
2. No. of group leaders and vice
group leaders
3. No. of WU staff working for
project
1.Sources of fund
a. Fund needed for commune
activity
b. Current rotating fund in the
commune
2. Equipment and training cost
17.0%
33.0%
5.0%
13,500,000
5. Net income (3-4)
Case 2
2,295,000
4,455,000
675,000
143,606,56
0
148,106,56
0
143,606,56
0
213,658,540
218,158,540
213,658,540
Cost:
Month
a. Equipments
b. Training at the district and
commune level
c. Total (a+b+c)
3. Administration cost
a. Ratio of district management fee
to total outstanding per month
b. Salary and administration at the
commune level
c. Reward fund
d. Mamagement fee to district
e. Growth fund
f. Risk management fund
* Risk management fund /Total
outstanding loan
Total cost
4. Income from credit activity
Income from intended interest
5. Net income (3-4)
Case 3
Hypothesis
Project starting time
1. No. of members
2. No. of group leaders and vice
group leaders
3. No. of WU staff working for
contributio
n rate
Office and travel
cost
Salary for three
WU staff
Group leaders
Vice group leaders
0.28%
40%
5%
17%
33%
5%
4,380,000
675,000
2,295,000
4,455,000
675,000
0.26%
32.4%
5.0%
17.0%
33.0%
5.0%
0.26%
Total
22.8%
5.0% Cost
17.0%
33.0%
22.2%
4,380,000
646,230
2,197,180
4,265,115
1,436,066
27.5%
4.1%
13.8%
26.8%
9.0%
4,380,000
961,463
3,268,976
6,345,659
4,273,171
0.5%
12,480,000
1.0%
92.44% 12,924,590
81.11%
2.0%
19,229,269
12,480,000
12,924,590
0
Break-even point analysis
Case
1
1 commune 6 months
6 months
4,380,000
100.00%
0
Case
2
Case
3
Case
1
commune
6 months
1 commune
6 months
6 months
300
300
300
60
3
60
3
60
3
180,000
300,000
0
730,000
19,229,269
0
250,000
project
1.Sources of fund
a. Fund needed for commune
activity
b. Current rotating fund in the
commune
c. Total outstanding loan
2. Equipment and training cost
a. Equipments
b. Training at the district and
commune level
c. Total (a+b+c)
3. Administration cost
a. Ratio of district management fee
to total outstanding per month
b. Salary and administration at the
commune level
c. Reward fund
d. Mamagement fee to district
e. Growth fund
f. Risk management fund
* Risk management fund /Total
outstanding loan
Total cost
4. Income from credit activity
Income from intended interest
5. Net income (3-4)
120,000,000
88,524,600
131,707,330
124,500,000
120,000,000
93,024,600
88,524,600
136,207,330
131,707,330
Cost:
Month
Office and travel
cost
270,000
Salary for three
WU staff
180,000
Group leaders
Vice group leaders
0
Current
contributio
n rate
0.32%
40%
5%
17%
33%
5%
0.26%
0.26%
Total
22.8%
5.0% Cost
17.0%
33.0%
22.2%
2,700,000
675,000
2,295,000
4,455,000
675,000
20.0%
5.0%
17.0%
33.0%
5.0%
2,700,000
398,361
1,354,426
2,629,181
885,246
33.9%
5.0%
17.0%
33.0%
11.1%
2,700,000
592,683
2,015,122
3,911,708
2,634,147
0.6%
10,800,000
80.00%
1.0%
7,967,214
100.00%
2.0%
11,853,659
10,800,000
0
7,967,214
0
11,853,660
0
100.00%
450,000
6 months
2,700,000
List of interviewee
Project Management Board
No.
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
Name
Mai Tung Lam
Su Huu Ly
Thieu Dinh Duy
Nguyen Thi Tuyet Anh
Tran Thi Tuyet
Ho Thi Lue
Pham Thi Huong
Tran Thi Sang
Pham Thi Thu Hang
Hoang Thi Minh
Pham Thi Nga
Pham Van Trien
Le Thi Ba
Hoang Thi Hieu
Nguyen Thi Huong
Tran Thi Cu
Dam Thi Thanh
Bui Thi Hai
Hoang Thi Chuyen
Mai Thi Nguyet
Le Thi Luan
Nguyen Thi Kim Tien
Pham Thi Huyen
Le Thi Quy
Tran Thi Nhung
Nguyen Thi Huyen
Nguyen Thi Hai
Tran Thi Van
Thieu Thi Mai
Nguyen Thi Anh
Le Thi Lan
Position
Chairman, Ky Anh People’s Comittee
Director, Ky Anh VBP
Secretary, Ky Anh People’s Committee
Chairwoman, Ky Anh WU
Vice Chairwoman, Ky Anh WU
Ky Anh WU staff
Ky Anh WU staff/Project Accountant
Ky Anh WU staff/Project Treasurer
Ky Anh WU staff
Ky Anh WU staff
Ky Anh WU staff
Chairman, Ky Hung People’s Committee
Chaiworman, Ky Hung WU
Project Accountant
Project Treasurer
Chaiworman, Ky Dong WU
Project Accountant
Project Treasurer
Chaiworman, Ky Ninh WU
Project Accountant
Project Treasurer
Chaiworman, Ky Hoa WU
Project Accountant
Project Treasurer
Chaiworman, Ky Lam WU
Project Accountant
Project Treasurer
Chaiworman, Ky Long WU
Chaiworman, Ky Khang WU
Chaiworman, Ky Giang WU
Chaiworman, Ky Phu WU
Borrowers
No.
1
2
3
4
5
6
7
8
9
10
11
12
13
Name
Address
Vinh Loi village, Ky Ninh, Ky Anh
Xuan Hai village, Ky Ninh, Ky Anh
Xuan Hai village, Ky Ninh, Ky Anh
Vinh Loi village, Ky Ninh, Ky Anh
Vinh Loi village, Ky Ninh, Ky Anh
Vinh Loi village, Ky Ninh, Ky Anh
Vinh Loi village, Ky Ninh, Ky Anh
Vinh Loi village, Ky Ninh, Ky Anh
Vinh Loi village, Ky Ninh, Ky Anh
Ban Hai village, Ky Ninh, Ky Anh
Xuan Hai village, Ky Ninh, Ky Anh
Vinh Loi village, Ky Ninh, Ky Anh
Vinh Loi village, Ky Ninh, Ky Anh
Tran Thi Hoa
Nguyen Thi Huong
Nguyen Thi Toan
Tran Thi Thai
Le Thi Hoa
Tran Thi Bang
Nguyen Thi Binh
Vo Thi Dien
Mai Thi Phuong
Tran Thi Duyen
Nguyen Thi Tuyn
Le Thi Xoan
Tran Thi Tiem
12
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
Nguyen Thi Hoa
Tran Thi Thia
Tran Thi Hung
Le Thi Mai
Dau Thi Dung
Le Thi Hue
Nguyen Thi Cuc
Nguyen Thi Tuyen
Pham Thi Lan
Dang Thi Lanh
Nguyen Thi Anh
Le Thi Hue
Le Thi Tam
Mac Thi Hieu
Tran Thi Quyet
Nguyen Thi Thuyet
Ho Thi Dien
Tran Thi Lieu
Nguyen Thi An
Nguyen Thi Tuyet
Tranh Thi Thinh
Bui Thi Lam
Le Thi Khai
Nguyen Thi Ninh
Tran Thi Hoa
Mai Thi Hien
Nguyen Thi Hong
Nguyen Thi Hoa
Nguyen Thi Lieu
Tran Thi Loi
Tran Thi Nhung
Tran Thi Luyen
Le Thi Hue
Nguyen Thi Tan
Dang Thi Nghe
Mai Thi Tam
Mai Thi Hien
Hoang Thi Binh
Duong Thi Nhuy
Mai Thi Le
Le Thi Lai
Tran Thi Dung
Nguyen Thi Chin
Le Duc Ngon
Nguyen Thi Tho
Hoang Thi Thieu
Xuan Hai village, Ky Ninh, Ky Anh
Vinh Loi village, Ky Ninh, Ky Anh
Vinh Loi village, Ky Ninh, Ky Anh
Xuan Hai village, Ky Ninh, Ky Anh
Vinh Loi village, Ky Ninh, Ky Anh
Vinh Loi village, Ky Ninh, Ky Anh
Vinh Loi village, Ky Ninh, Ky Anh
Vinh Loi village, Ky Ninh, Ky Anh
Vinh Loi village, Ky Ninh, Ky Anh
Vinh Loi village, Ky Ninh, Ky Anh
Vinh Loi village, Ky Ninh, Ky Anh
Xuan Hai village, Ky Ninh, Ky Anh
Xuan Hai village, Ky Ninh, Ky Anh
Xuan Hai village, Ky Ninh, Ky Anh
Xuan Hai village, Ky Ninh, Ky Anh
Xuan Hai village, Ky Ninh, Ky Anh
Xuan Hai village, Ky Ninh, Ky Anh
Xuan Hai village, Ky Ninh, Ky Anh
Xuan Hai village, Ky Ninh, Ky Anh
Xuan Hai village, Ky Ninh, Ky Anh
Vinh Loi village, Ky Ninh, Ky Anh
Xuan Hai village, Ky Ninh, Ky Anh
Tan Hai village, Ky Ninh, Ky Anh
Xuan Hai village, Ky Ninh, Ky Anh
Vinh Loi village, Ky Ninh, Ky Anh
Xuan Ha village, Ky Ninh, Ky Anh
Xuan Ha village, Ky Ninh, Ky Anh
Xuan Ha village, Ky Ninh, Ky Anh
Xuan Ha village, Ky Ninh, Ky Anh
Thang Loi village, Ky Ninh, Ky Anh
Thang Loi village, Ky Ninh, Ky Anh
Thang Loi village, Ky Ninh, Ky Anh
Thang Loi village, Ky Ninh, Ky Anh
Thang Loi village, Ky Ninh, Ky Anh
Tan Giang village, Ky Ninh, Ky Anh
Tan Giang village, Ky Ninh, Ky Anh
Tan Giang village, Ky Ninh, Ky Anh
Tan Giang village, Ky Ninh, Ky Anh
Xuan Ha village, Ky Ninh, Ky Anh
Xuan Ha village, Ky Ninh, Ky Anh
Tan Giang village, Ky Ninh, Ky Anh
Tan Giang village, Ky Ninh, Ky Anh
Xuan Ha village, Ky Ninh, Ky Anh
Xuan Ha village, Ky Ninh, Ky Anh
Thang Loi village, Ky Ninh, Ky Anh
Xuan Ha village, Ky Ninh, Ky Anh
13
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
Hoang Thi Thuy
Nguyen Thi Ly
Truong Thi Sang
Nguyen Thi Huong
Nguyen Thi Vinh
Nguyen Thi Cuc
Tran Thi Lien
Le Thi Loan
Nguyen Thi Huong
Nguyen Thi Tram
Pham Thi Nguyet
Le Thi Luan
Nguyen Thi Hoang
Vo Thi Van
Mai Thi Nguyet
Nguyen Thi Hieu
Nguyen Thi Tuong
Nguyen Thi Hoa
Tran Thi Kieu
Vo Thi Tu
Pham Thi Hien
Nguyen Thi Hien
Hoang Thi Hang
Le Thi Thanh
Tran Thi Lu
Nguyen Thi Phuong
Doan Thi Thuy
Dao Thi Thanh
Le Thi Huong
Dang Thi Sanh
Dao Thi Huong
Nguyen Thi Nhan
Dao Thi Tuyen
Dang Thi The
Nguyen Thi Hue
Le Thi Lan
Dao Thi Xuyen
Le Thi Viet Nga
Le Thi Tuyn
Hoang Thi Thuan
Hoang Thi Thuyn
Tran Thi Hoa
Le Thi Huan
Le Thi Nhu
Hoang Thi Hong
Nguyen Thi Tuyen
Tam Hai village, Ky Ninh, Ky Anh
Tam Hai village, Ky Ninh, Ky Anh
Tam Hai village, Ky Ninh, Ky Anh
Tam Hai village, Ky Ninh, Ky Anh
Tam Hai village, Ky Ninh, Ky Anh
Tam Hai village, Ky Ninh, Ky Anh
Xuan Ha village, Ky Ninh, Ky Anh
Xuan Ha village, Ky Ninh, Ky Anh
Xuan Ha village, Ky Ninh, Ky Anh
Tan Giang village, Ky Ninh, Ky Anh
Tan Giang village, Ky Ninh, Ky Anh
Tam Hai village, Ky Ninh, Ky Anh
Thang Loi village, Ky Ninh, Ky Anh
Tan Giang village, Ky Ninh, Ky Anh
Tan Thuan village, Ky Ninh, Ky Anh
Xuan Ha village, Ky Ninh, Ky Anh
Xuan Ha village, Ky Ninh, Ky Anh
Xuan Ha village, Ky Ninh, Ky Anh
Xuan Ha village, Ky Ninh, Ky Anh
Tam Hai village, Ky Ninh, Ky Anh
Tam Hai village, Ky Ninh, Ky Anh
Xuan Ha village, Ky Ninh, Ky Anh
Vilalge No. 3, Ky Hoa, Ky Anh
Vilalge No. 4, Ky Hoa, Ky Anh
Vilalge No. 4, Ky Hoa, Ky Anh
Vilalge No. 4, Ky Hoa, Ky Anh
Vilalge No. 3, Ky Hoa, Ky Anh
Vilalge No. 3, Ky Hoa, Ky Anh
Vilalge No. 4, Ky Hoa, Ky Anh
Vilalge No. 4, Ky Hoa, Ky Anh
Vilalge No. 3, Ky Hoa, Ky Anh
Vilalge No. 4, Ky Hoa, Ky Anh
Vilalge No. 3, Ky Hoa, Ky Anh
Vilalge No. 3, Ky Hoa, Ky Anh
Vilalge No. 3, Ky Hoa, Ky Anh
Vilalge No. 3, Ky Hoa, Ky Anh
Vilalge No. 4, Ky Hoa, Ky Anh
Vilalge No. 1, Ky Hoa, Ky Anh
Vilalge No. 1, Ky Hoa, Ky Anh
Vilalge No. 1, Ky Hoa, Ky Anh
Vilalge No. 1, Ky Hoa, Ky Anh
Vilalge No. 1, Ky Hoa, Ky Anh
Vilalge No. 2, Ky Hoa, Ky Anh
Vilalge No. 2, Ky Hoa, Ky Anh
Vilalge No. 2, Ky Hoa, Ky Anh
Vilalge No. 2, Ky Hoa, Ky Anh
14
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
121
122
123
124
125
126
127
128
129
130
131
132
133
134
135
136
137
138
139
140
141
142
143
144
145
146
147
148
149
150
151
Le Thi Thuy
Le Thi Nguyet
Dao Thi Minh
Nguyen Thi Hong
Nguyen Thi Hoa
Nguyen Thi Lai
Nguyen Thi Phuong
Dao Thi Lan
Hoang Thi Canh
Le Thi Nghia
Nguyen Thi Chinh
Dao Thi Hanh
Ha Thi Canh
Dang Thi Lai
Dao Thi Van
Pham Thi Sen
Dao Thi Dien
Kieu Thi Hue
Nguyen Thi Phuong
Nguyen Thi Dien
Duong Thi Nhu
Le Thi Thuan
Nguyen Thi Thuyet
Pham Thi Nhung
Le Thi Bich
Truong Thi The
Nguyen Thi Nguyet
Le Thi Quy
Dao Thi Nghia
Nguyen Thi Lan
Hoang Thi Khanh
Tran Thi Hang
Dao Thi Hanh
Hoang Thi Lich
Le Thi Chinh
Nguyen Thi Duong
Hoang Thi Tien
Bui Thi Hien
Doan Thi Thanh
Truong Thi Thanh
Nguyen Thi Duc
Phan Thi Khuyen
Le Thi Huong
Nguyen Thi Suong
Nguyen Thi Chung
Dao Thi Thanh
Vilalge No. 2, Ky Hoa, Ky Anh
Vilalge No. 2, Ky Hoa, Ky Anh
Vilalge No. 2, Ky Hoa, Ky Anh
Vilalge No. 2, Ky Hoa, Ky Anh
Vilalge No. 1, Ky Hoa, Ky Anh
Vilalge No. 1, Ky Hoa, Ky Anh
Vilalge No. 1, Ky Hoa, Ky Anh
Vilalge No. 1, Ky Hoa, Ky Anh
Vilalge No. 1, Ky Hoa, Ky Anh
Vilalge No. 1, Ky Hoa, Ky Anh
Vilalge No. 1, Ky Hoa, Ky Anh
Vilalge No. 1, Ky Hoa, Ky Anh
Vilalge No. 1, Ky Hoa, Ky Anh
Vilalge No. 1, Ky Hoa, Ky Anh
Vilalge No. 1, Ky Hoa, Ky Anh
Vilalge No. 1, Ky Hoa, Ky Anh
Vilalge No. 1, Ky Hoa, Ky Anh
Vilalge No. 1, Ky Hoa, Ky Anh
Vilalge No. 1, Ky Hoa, Ky Anh
Vilalge No. 1, Ky Hoa, Ky Anh
Vilalge No. 1, Ky Hoa, Ky Anh
Vilalge No. 2, Ky Hoa, Ky Anh
Vilalge No. 2, Ky Hoa, Ky Anh
Vilalge No. 2, Ky Hoa, Ky Anh
Vilalge No. 2, Ky Hoa, Ky Anh
Vilalge No. 2, Ky Hoa, Ky Anh
Vilalge No. 1, Ky Hoa, Ky Anh
Vilalge No. 2, Ky Hoa, Ky Anh
Vilalge No. 2, Ky Hoa, Ky Anh
Vilalge No. 2, Ky Hoa, Ky Anh
Vilalge No. 2, Ky Hoa, Ky Anh
Vilalge No. 2, Ky Hoa, Ky Anh
Vilalge No. 2, Ky Hoa, Ky Anh
Vilalge No. 2, Ky Hoa, Ky Anh
Vilalge No. 2, Ky Hoa, Ky Anh
Vilalge No. 2, Ky Hoa, Ky Anh
Vilalge No. 1, Ky Hoa, Ky Anh
Vilalge No. 9, Ky Hoa, Ky Anh
Vilalge No. 3, Ky Hoa, Ky Anh
Vilalge No. 3, Ky Hoa, Ky Anh
Vilalge No. 3, Ky Hoa, Ky Anh
Vilalge No. 3, Ky Hoa, Ky Anh
Vilalge No. 3, Ky Hoa, Ky Anh
Vilalge No. 3, Ky Hoa, Ky Anh
Vilalge No. 3, Ky Hoa, Ky Anh
Vilalge No. 3, Ky Hoa, Ky Anh
15
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174
175
176
177
178
179
180
181
182
183
184
185
186
187
188
189
190
191
192
193
194
195
196
197
Nguyen Thi Vinh
Bui Thi Pha
Nguyen Thi Ly
Ho Thi Dung
Thai Thi Hue
To Thi Tho
Dau Thi Hau
Dao Thi Vang
Nguyen Thi Dien
Ngo Thi Thuy
Nguyen Thi Duc
Nguyen Thi Lan
Nguyen Thi Hieu
Nguyen Thi Uy
Le Thi Thanh
Nguyen Thi Xoan
Tran Thi Khanh
Nguyen Thi Thuan
Nguyen Thi Nhi
Vo Thi Duyen
Tran Thi My
Tran Thi Quyen
Tran Van Mao
Hoang Thi Lieu
Nguyen Thi Hanh
Ho Thi Nang
Nguyen Thi Nga
Ngo Thi Ly
Thieu Thi Nhuy
Cao Thi Luc
Tong Thi Viet
Nguyen Thi Nga
To Thi Nga
Tran Thi Nhuan
Nguyen Thi Bang
Nguyen Thi Tan
Bui Thi Lu
Thieu Thi Lai
Nguyen Thi Luc
Nguyen Thi Nhinh
Nguyen Thi Luc
Dang Thi Hue
Nguyen Thi Xuan
Tran Thi Thanh
Nguyen Thi Hien
Tran Thi Chinh
Vilalge No. 1, Ky Dong, Ky Anh
Vilalge No. 1, Ky Dong, Ky Anh
Vilalge No. 6, Ky Dong, Ky Anh
Vilalge No. 8, Ky Dong, Ky Anh
Vilalge No. 8, Ky Dong, Ky Anh
Vilalge No. 8, Ky Dong, Ky Anh
Vilalge No. 8, Ky Dong, Ky Anh
Vilalge No. 8, Ky Dong, Ky Anh
Vilalge No. 8, Ky Dong, Ky Anh
Vilalge No. 8, Ky Dong, Ky Anh
Vilalge No. 8, Ky Dong, Ky Anh
Vilalge No. 8, Ky Dong, Ky Anh
Vilalge No. 8, Ky Dong, Ky Anh
Vilalge No. 8, Ky Dong, Ky Anh
Vilalge No. 8, Ky Dong, Ky Anh
Vilalge No. 7 Ky Dong, Ky Anh
Vilalge No. 7, Ky Dong, Ky Anh
Vilalge No. 7 Ky Dong, Ky Anh
Vilalge No. 7, Ky Dong, Ky Anh
Vilalge No. 7 Ky Dong, Ky Anh
Vilalge No. 7, Ky Dong, Ky Anh
Vilalge No. 7 Ky Dong, Ky Anh
Vilalge No. 7, Ky Dong, Ky Anh
Vilalge No. 7 Ky Dong, Ky Anh
Vilalge No. 7, Ky Dong, Ky Anh
Vilalge No. 7 Ky Dong, Ky Anh
Vilalge No. 7, Ky Dong, Ky Anh
Vilalge No. 7 Ky Dong, Ky Anh
Vilalge No. 7, Ky Dong, Ky Anh
Vilalge No. 1, Ky Dong, Ky Anh
Vilalge No. 1, Ky Dong, Ky Anh
Vilalge No. 1, Ky Dong, Ky Anh
Vilalge No. 1, Ky Dong, Ky Anh
Vilalge No. 1, Ky Dong, Ky Anh
Vilalge No. 2, Ky Dong, Ky Anh
Vilalge No. 2, Ky Dong, Ky Anh
Vilalge No. 1, Ky Dong, Ky Anh
Vilalge No. 10, Ky Dong, Ky Anh
Vilalge No. 10, Ky Dong, Ky Anh
Vilalge No. 3, Ky Dong, Ky Anh
Vilalge No. 3, Ky Dong, Ky Anh
Vilalge No. 3, Ky Dong, Ky Anh
Vilalge No. 3, Ky Dong, Ky Anh
Vilalge No. 2, Ky Dong, Ky Anh
Vilalge No. 2, Ky Dong, Ky Anh
Vilalge No. 10, Ky Dong, Ky Anh
16
198
199
200
201
202
203
204
205
206
207
208
209
210
211
212
213
214
215
216
217
218
219
220
221
222
223
224
225
226
227
228
229
230
231
232
233
234
235
236
237
238
239
240
241
242
243
Nguyen Thi Tin
Nguyen Thi Huong
Bien Thi Minh
Nguyen Thi Khan
Tran Thi Ngoc
Tran Thi Lan
Nguyen Thi Mai
Hoang Thi Dinh
Tran Thi Y
Nguyen Thi Hoe
Nguyen Thi Chau
Nguyen Thi Chung
Nguyen Thi Hieu
Nguyen Thi Chinh
Nguyen Thi Thao
Truong Thi Ngoc
Nguyen Thi Luyen
Nguyen Thi Chuong
Tran Thi Chuong
Nguyen Thi Moi
Nguyen Thi Duan
Tran Thi Phu
Nguyen Thi Nhan
Tran Van Khanh
Nguyen Thi Quyen
Nguyen Thi Tan
Nguyen Thi Cuc
Nguyen Thi Luan
Nguyen Thi Nham
Nguyen Thi Thuy
Tran Thi Dinh
Nguyen Thi Phan
Hoang Thi Hue
Tran Thi Nhung
Nguyen Thi Thanh
Tran Thi Mai
Le Thi Thuan
Pham Thi Toan
Nguyen Thi Ly
Ha Thi Thao
NguyenThi Canh
Vo Thi Tuyen
Pham Thi Ngai
Hoang Thi Nghien
Chu Thi Tuong
Truong Thi Nhuan
Vilalge No. 10, Ky Dong, Ky Anh
Vilalge No. 10, Ky Dong, Ky Anh
Vilalge No. 10, Ky Dong, Ky Anh
Vilalge No. 10, Ky Dong, Ky Anh
Vilalge No. 2, Ky Dong, Ky Anh
Vilalge No. 10, Ky Dong, Ky Anh
Vilalge No. 6, Ky Dong, Ky Anh
Vilalge No. 10, Ky Dong, Ky Anh
Vilalge No. 10, Ky Dong, Ky Anh
Vilalge No. 10, Ky Dong, Ky Anh
Vilalge No. 10, Ky Dong, Ky Anh
Vilalge No. 10, Ky Dong, Ky Anh
Vilalge No. 6, Ky Dong, Ky Anh
Vilalge No. 9, Ky Dong, Ky Anh
Vilalge No. 9, Ky Dong, Ky Anh
Vilalge No. 9, Ky Dong, Ky Anh
Vilalge No. 9, Ky Dong, Ky Anh
Vilalge No. 9, Ky Dong, Ky Anh
Vilalge No. 9, Ky Dong, Ky Anh
Vilalge No. 9, Ky Dong, Ky Anh
Vilalge No. 9, Ky Dong, Ky Anh
Vilalge No. 9, Ky Dong, Ky Anh
Vilalge No. 9, Ky Dong, Ky Anh
Vilalge No. 9, Ky Dong, Ky Anh
Vilalge No. 9, Ky Dong, Ky Anh
Vilalge No. 9, Ky Dong, Ky Anh
Vilalge No. 9, Ky Dong, Ky Anh
Vilalge No. 9, Ky Dong, Ky Anh
Vilalge No. 4, Ky Dong, Ky Anh
Vilalge No. 4, Ky Dong, Ky Anh
Vilalge No. 2, Ky Dong, Ky Anh
Vilalge No. 2, Ky Dong, Ky Anh
Vilalge No. 6, Ky Dong, Ky Anh
Hai Ha village, Ky Lam, Ky Anh
Bac Ha village, Ky Lam, Ky Anh
Dong Ha village, Ky Lam, Ky Anh
Dong Ha village, Ky Lam, Ky Anh
Hai Ha village, Ky Lam, Ky Anh
Dong Ha village, Ky Lam, Ky Anh
Dong Ha village, Ky Lam, Ky Anh
Dong Ha village, Ky Lam, Ky Anh
Dong Ha village, Ky Lam, Ky Anh
Dong Ha village, Ky Lam, Ky Anh
Dong Ha village, Ky Lam, Ky Anh
Dong Ha village, Ky Lam, Ky Anh
Dong Ha village, Ky Lam, Ky Anh
17
244
245
246
247
248
249
250
251
252
253
254
255
256
257
258
259
260
261
262
263
264
265
266
267
268
269
270
271
272
273
274
275
276
277
278
279
280
281
282
283
284
285
286
287
288
289
Nguyen Thi Nhung
Ho Thi Van
Vu Thi Nhan
Vo Thi Toan
Nguyen Thi Xuan
Nguyen Thi Bao
Nguyen Thi Huyen
Le Minh
Thieu Thi Thuong
Nguyen Thi Nghiem
Phung Thi Sen
Nguyen Thi Cay
Nguyen Thi Cuong
Nguyen Thi Moi
Nguyen Thi Hong
Nguyen Thi Hoe
Nguyen Thi Huong
Dinh Thi Lan
Nguyen Thi Lien
Mai Thi Huong
Nguyen Thi Ly
Nguyen Thi Hoi
Nguyen Thi Mai
Dang Thi Thuong
Nguyen Thi Nam
Tran Thi Viet
Nguyen Thi Ly
Le Thi Hieu
Nguyen Thi Hoa
Le Thi Sy
Mai Thi Huan
Cao Thi Ly
Nguyen Thi Lien
Nguyen Thi Hoa
Nguyen Thi Lien
Tran Thi Thin
Nguyen Thi Hanh
Nguyen Thi Van
Nguyen Thi Tinh
Nguyen Thi Hien
Nguyen Thi Hong
Nguyen Thi Thuan
Bui Thi Thuong
Nguyen Thi Hao
Nguyen Thi Thuong
Vo Thi Bay
Dong Ha village, Ky Lam, Ky Anh
Dong Ha village, Ky Lam, Ky Anh
Dong Ha village, Ky Lam, Ky Anh
Dong Ha village, Ky Lam, Ky Anh
Dong Ha village, Ky Lam, Ky Anh
Dong Ha village, Ky Lam, Ky Anh
Dong Ha village, Ky Lam, Ky Anh
Hai Ha village, Ky Lam, Ky Anh
Tan Ha village, Ky Hung, Ky Anh
Tan Ha village, Ky Hung, Ky Anh
Tran Phu village, Ky Hung, Ky Anh
Tan Ha village, Ky Hung, Ky Anh
Tran Phu village, Ky Hung, Ky Anh
Tran Phu village, Ky Hung, Ky Anh
Tran Phu village, Ky Hung, Ky Anh
Tran Phu village, Ky Hung, Ky Anh
Tran Phu village, Ky Hung, Ky Anh
Tran Phu village, Ky Hung, Ky Anh
Tan Ha village, Ky Hung, Ky Anh
Tran Phu village, Ky Hung, Ky Anh
Tran Phu village, Ky Hung, Ky Anh
Tran Phu village, Ky Hung, Ky Anh
Tran Phu village, Ky Hung, Ky Anh
Tan Ha village, Ky Hung, Ky Anh
Tran Phu village, Ky Hung, Ky Anh
Tran Phu village, Ky Hung, Ky Anh
Tran Phu village, Ky Hung, Ky Anh
Tan Ha village, Ky Hung, Ky Anh
Tran Phu village, Ky Hung, Ky Anh
Tran Phu village, Ky Hung, Ky Anh
Tran Phu village, Ky Hung, Ky Anh
Tran Phu village, Ky Hung, Ky Anh
Tan Ha village, Ky Hung, Ky Anh
Tan Ha village, Ky Hung, Ky Anh
Tan Ha village, Ky Hung, Ky Anh
Tran Phu village, Ky Hung, Ky Anh
Tran Phu village, Ky Hung, Ky Anh
Tan Ha village, Ky Hung, Ky Anh
Tan Ha village, Ky Hung, Ky Anh
Tan Ha village, Ky Hung, Ky Anh
Tan Ha village, Ky Hung, Ky Anh
Tan Ha village, Ky Hung, Ky Anh
Tan Ha village, Ky Hung, Ky Anh
Tan Ha village, Ky Hung, Ky Anh
Tan Ha village, Ky Hung, Ky Anh
Tan Ha village, Ky Hung, Ky Anh
18
290
291
292
293
294
Pham Thi Thu
Phung Thi Lam
Duong Thi Tan
Tran Thi Lien
Nguyen Thi Lan
Tan Ha village, Ky Hung, Ky Anh
Tan Ha village, Ky Hung, Ky Anh
Tan Ha village, Ky Hung, Ky Anh
Tan Ha village, Ky Hung, Ky Anh
Tan Ha village, Ky Hung, Ky Anh
Non-borrowers
No.
1
2
3
4
5
Name
Le Thi Hoa
Vo Thi Hue
Nguyen Thi Linh
Tran Thi Lien
Nguyen Thi Nhung
Address
Lac Vinh village, Ky Lac, Ky Anh
Lac Vinh village, Ky Lac, Ky Anh
Lac Vinh village, Ky Lac, Ky Anh
Lac Vinh village, Ky Lac, Ky Anh
Lac Vinh village, Ky Lac, Ky Anh
19
20