48. Lending procedures of Decision No.30/2009/QĐ-TTg dated on
23rd February 2009 of the Government's Prime Minister on the
unemployed in domestic enterprises facing with difficulties due to economic
crisis for households from the fund source managed by provincial People's
Committee.
a. Implementation steps:
- Step 1:
+ The borrower is voluntary to join SCGs in the locality where he or she
lives.
+ The borrower formulates the borrowing project (Form 1b) attached with
a copy of labor contract, a copy of labour contract realization and send to SCGs.
- Step 2: SCGs receive borrowing documents; gather group meetings to
assess which household is eligible for borrowings, check the validity and
legality of borrowing projects and borrowers as stipulated by the Government.
In case the borrower does not join SCGs, SCGs will admit him/her or establish
new groups if necessary.
- Step 3: Then, SCGs submit to mass organizations for project analysis
(form 3b attached with Circular No.14).
- Step 4: After credit analysis results, SCGs prepare a list of households
who ask for borrowings (form 03/TD) attached with borrowing projects (form
01b) and submit to CPC for certifying their legal residence address in the project
and in the list (Form 03/TD).
- Step 5: After CPC's certification, the SCG leader submits borrowing
request dossiers to the district VBSP branch who will complete the Receipt Note
(form 18/TD) and then submit to the People's Committee for consideration.
- Step 6: After the loan approval of authorized level, the district VBSP
transaction office check the validity, completeness and legality of documents
and then send the approved result (Form 04/TD) to CPC who will announce to
mass organizations. SCGs will announce to borrowers.
b. Implementing method:
- The borrower submits borrowing request dossiers to SCGS in locality.
c. components and quantities of credit dossiers:
- A dossier includes:
+ Borrowers:
* Borrowing project (form 1b): 01 lien.
* Borrowing request cum loan project (form 01/TD): 01 lien.
* Copy of labour contract;
* Copy of labour contract realization.
* Decision of lending approval of authorized level.
+ SCGs:
* List of households who request for borrowings (Form 03/TD);
- Volume: 01 set.
d. Approval duration:
The duration of dossier consideration is 15 days since the date of dossier
receipt, in which:
- Credit analysis in 10 work days since the date of dossier receipt.
- Loan approval duration is 05 work days since the date of dossier receipt.
đ. Procedure targets:
- Individuals
e. Implementing agencies:
- Authorized for approving agency: Head of program implementing
agency in provincial level approve.
- Document implementing agency: the district VBSP transaction office.
- Coordinating agency (if any): communal mass organizations, CPC.
g. Results:
- Announce the loan approval (Form 04/TD)
h. Fees:
- None.
i. List of forms:
- Borrowing project (Form 1b).
- Borrowing request forms cum borrowing project (Form 01/TD);
- List of households who request for borrowings (Form 03/TD)
k. Requirements for procedures:
- Ensure one new job at least.
- Legal residence address in project areas.
l. Legal basis:
- Resolution No.31/1999/QH10 of the 6th National Assembly, Session X on
tasks in year 2000.
- Decree No.78/2002/NĐ-CP dated on 4th October 2002 of the
Government on preferential credit for the poor and other policy beneficiaries.
- Decision No.71/2005/QĐ-TTg dated on 5th April 2005 of the Prime
Minister on management regime and loan management of the National Fund of
Vietnam;
- Decision No.15/2008/QĐ-TTg dated on 23rd January 2008 of the Prime
Minister on amendment and supplementation for Decision No.71/2005/QĐ-TTg
dated on 5th April 2005 of the Prime Minister on management regime and loan
management of the National Fund of Vietnam.
- Decision No.30/2009/QĐ-TTg dated on 23rd February 2009 of the
Prime Minister on supporting the unemployed in state-own enterprises due to
economic crisis.
- Joint Circular No.14/2008/TTLT-BLĐTB&XH-BTC-BKHĐT dated on 29th
July 2008 of MOLISA, MOF and MPI on instruction for Decision No.71/2005/QĐTTg dated on 5th April 2005 of the Prime Minister on management regime and loan
management of the National Fund of Vietnam and Decision No.15/2008/QĐ-TTg
dated on 23rd January 2008 of the Prime Minister on amendment and
supplementation for Decision No.71/2005/QĐ-TTg .
- Guidance No.2539/NHCS-TD dated on 16th September 2008 of the VBSP
General Director on job creation scheme under the Employment Fund.
- Guidance No.2812/NHCS-TD dated on 9/10/2008 of the VBSP General
Director on adjustment and supplementation for lending procedures of job creation
scheme.
- Guidance No.676/NHCS-TD dated on 22nd April 2007 of the VBSP General
Director on adjustment for Guidance No.316/NHCS-KH on lending procedures for
poor households.
- Guidance No.243/NHCS-TD dated on 18th February 2009 of the VBSP
General Director on process of issuing Loan Books and Receipts of Loan Interests.
- Guidance No.1523/NHCS-TDSV dated on 16th June 2009 of the VBSP
General Director on lending procedures of Decision No.30/2009/QĐ-TTg dated
on 23rd February 2009 of the Prime Minister on supporting the unemployed in
state-own enterprises due to economic crisis.
Form 1b
JOB CREATION SCHEME
(Apply for households and household group)
Project
name:................................................................................................................
Project owner's name:
...............................................................................................
Title: .................................................................................................................
Permanent address: .................................................................................................
Project implementation location:
......................................................................................
I. PROJECT OBJECTIVE
1. Develop household economy, increase products, incomes and profits.
2. Job creation for employees:
- Create new jobs, attract more employees.
- Ensure jobs, stable incomes for employees.
II. PROJECT CONTENTS
1. Main job in project:
- Plantation (household number: .......................................................................
- Animal husbandry (household number:
.......................................................................
- Small handicraft, processing industry (household number:
.....................................
2. Total of project households (consolidated chart to be attached):
- Total employees: ....................................... (persons.
- New jobs: ................................................(persons.
In which:
+ Female:........... persons; the disabled:...........persons
+ Ethnic minority:...... persons; employees who are reclaimed lands due to
transfer of land use purpose: ................. persons.
3. Total project capitals:
- Current equities :..............(VND., in which: cashes: ................ (VND.
4. Total loans from Fund for Job Creation: ..................... (VND.
5. Loan term: ............ month. Lending interest rate: ........................%/month
6. Purpose of loan utility: ................................................................................
7. Project implementation duration:
.................................................................................
III. COMMITMENT OF PROJECT OWNER
I pledge to manage and urge borrowers to use loans for right purpose and loan
repayment on due time.
...... Date .......month ......year .....
Confirmation of communal/ward
People's Committee
Project owner
(Signature, Full name)
SOCIALIST REPUBLIC OF VIETNAM
Independence - Freedom - Happiness
Form 01/TD
(01 copy)
BORROWING REQUEST FORM CUM PLAN OF LOAN UTILIZATION
Loan scheme:.....................................
To: Vietnam Bank for Social Policies........ …………………….................
1. Borrower's full name:.…………….……………Date of birth........…………....
- ID No.:…….… Issuing date :….../…../….., Issuing place :….………........
- Current Residence: Hamlet (village) ........ Commune (ward).............
District (township): ………………Province
(city):..................................
- Being member of Saving and Credit Group of Mr. (Mrs.)........... as Group
Leader
- Managed by Mass Organization:...............................................................
2. We would like to request the VBSP to provide a loan
amount:.....................VND
(in words:..................................................................................................)
To conduct a plan:.................................................................................
Total capitals:...................................VND. Of which:
+ Owned capitals:............................VND.
+ VBSP loan:........................... VND for the following estimates:
Subject
Volume
........................................ ..................................
........................................ ..................................
........................................ ..................................
Amount
........................................
........................................
........................................
- Borrowing duration:…….Months; Repayment term:...........month/installment
- Repayment of principal:........VND/installments; Date of final repayment:……
We pledge to use the loan for right purposes, to repay principal and interest on
time.
I shall bear all liabilities before the law.
Date........month.......year
Borrower
(Signature, Full name
or finger-print)
APPROVAL OF VBSP
1. Loan amount: ……………VND (in words:...……………………………...)
2. Interest rate: ……%/month. Overdue rate: ………% lending rate.
3. Loan term: …… month. Term of final repayment: Date…../….../………
4. Interest payment shall be made monthly dated:……………………..
Credit officer
(Signature, Full
name)
Credit Manager
(Team leader)
(Signature, Full name)
Date….month……year……
Director
(Signature, seal)
Form: 03/TD
04 liens: - 02 liens for VBSP filing (01
copy for filing with supporting
documents, 01 copy for filing with credit
file) - 01 copy for SCG, 01 copy for
mass organization
LIST OF HOUSEHOLDS WHO REQUEST FOR
BORROWINGS FROM VBSP
Loan scheme..................................................
Name of SCG:..............................
Hamlet:......................... ...............
Commune:....................................
District:..................................
At the SCG's meeting dated …../…./……, group members have reviewed and evaluated those member applying for
capital borrowing from Vietnam Bank for Social Policies. All group members agree to propose the households named
hereunder for borrowings in this period:
Unit: VND '000
No.
1
Full name
Address
2
3
1
2
3
.....
Total:
SCG's Request
Amount
Subject
4
5
Term
6
VBSP's Approval
Amount
Term
7
8
Pledge of SCG
All group members pledge
to help each others in living
and production, use loans
for right purposes and
remind each others to repay
principals and interests in
accordance with agreed
terms
Group Leader
(Sign and insert full name)
Date ...month ...year ......
Certification of Communal
People's Committee
Borrowers have legal residence and
belong to household list
..........................................................
..............................................................
Communal PC
(Signature, seal)
Date…..month…..year…..
VBSP's Approval
households being entitled:….…………..
- Number of
households
- Total approved loans: ………………...........Vietnam Dong
- Number of households unqualified:…………. Households
(have sequence number in the list of………………………)
Date….month…year
Credit officer
Credit Manager
(Signature, Full
…
(Team leader)
name)
(Signature, Full
Director
name)
(Signature, seal)