Join forces with pepper farmers: [Bài 2] Enterprises and banks join hands to solve

Facing the difficulties of the pepper growers, the authorities, businesses and banks have joined in, helping the farmers to escape the “debt sea” …

Enterprise: Production linkage

Chu Puh is the district with the most dead area. The report of this district People's Committee said that due to the pressure to pay interest rates and family living expenses, many households in the area have put in the southern provinces as hired laborers, leaving many consequences for the elderly. untrained children are not educated; the situation of theft is increasingly complicated, causing insecurity in the local order … Agricultural production declines due to unused cultivated land, cottage industries, handicrafts, construction, trade and services accordingly. severely affected.

In order to solve difficulties for pepper growers, Gia Lai province has proactively propagandized and encouraged people to change crop structure, linking outputs with prestigious agricultural production enterprises in the province. Credit institutions have also rescheduled loan repayments, adjusted interest rate reductions, renewed loans for production and business activities, and loans for crop conversion. Accordingly, the people are somewhat stabilized. psychologically, peace of mind to change production models to improve economic efficiency.

With the restructuring of crops, Gia Lai province has oriented to stabilizing 10,000 hectares of fruit trees linking production links along the value chain with Dong Giao Export Joint Stock Company (Doveco), Nafood Group Joint Stock Company … This is favorable conditions for pepper farmers to strongly switch to building a new economic model, creating income and stabilizing their lives.

Mr. Dinh Cao Khue – Chairman of Dong Giao Export Joint Stock Company, said: “With a processing scale of 500 tons of raw material per day, Doveco Gia Lai Vegetable Processing Center will build and form an inter-material zone. combining concentrated commodity production with large-scale sustainable value chains, applying high technology with an area of ​​10,000-15,000 ha in Gia Lai and the Central Highlands provinces. Thereby, contributing to creating a stable output for agricultural products, creating jobs, income for tens of thousands of agricultural, industrial, service, sales, transport workers … “.

Bank: freezing, rescheduling debts

Credit institutions in the province have also taken specific steps to support pepper growers through rescheduling, adjusting interest rates, lending to restore production and business. loans for plant restructuring with an amount of nearly VND 2,000 billion.

People intercropping grapefruit trees in pepper are dead.

Mr. Vo Binh Do (Hoa An hamlet, Nhon Hoa town, Chu Puh) is a customer supported by the Bank for Agriculture and Rural Development of Chu Puh district with a 5-year debt extension measure to reduce pressure on interest payment and create opportunities for re-lending. manufacturing. He said: “In 2012, I borrowed from the Bank for Agriculture and Rural Development of Chu Pud district 2 billion VND to invest in expanding 7 hectares of pepper. By 2017, 7 hectares will be killed. No income, so the family could not pay the principal and interest. The bank extended the loan to 5 years, paying a little each year, so it also eased the pressure. In dead pepper areas, my family has turned to coffee and fruit trees, hoping that in the coming time, we will have a stable income to cover our living and repay the debt. ”

Also in Chu Puh district, Mr. Le Hong Anh (Hoa Phu village, Nhon Hoa town) has 6 ha of business pepper. The disease came, took all the pepper area of ​​his family, and left him with a debt of over VND 3 billion with the Bank for Agriculture and Rural Development. Like Mr. Do, Mr. Anh was extended 5 years by the Agriculture and Rural Development Bank of Chu Puh. Currently, he has replanted 5 hectares of other crops such as coffee, avocado, passion fruit on the area of ​​dead pepper. “Thanks to the agricultural bank's rescheduling, my family relieved the pressure,” he said. Now take good care of the orchard, hoping to pay the bank soon. ”

Mr. Le Thanh Quang – Deputy Director of Agriculture and Rural Development Bank Branch in Gia Lai province, said: The whole branch now has a total outstanding debt due to pepper damage of up to VND 700 billion of more than 4,100 customers, accounting for more than 97% of outstanding loans for growing and tending pepper in the area.

“In order for the people whose pepper area to be damaged to stabilize their lives, rest assured to restore production and business, create income to pay debts, the bank has created favorable conditions for customers who still have revenue and have goodwill to repay debts continue to be borrowed to re-invest in restructuring plants and animals; Encourage customers who pay debt in 2019 will be applied the interest exemption and reduction mechanism. In addition, the bank also restructured the repayment period for the loaned households that were damaged in a way that is suitable to income sources, adjusted for interest rate reduction, reduction, principal collection first, and late interest payment for households with goodwill to repay the debt ”- Mr. Quang said.

The involvement of provincial authorities and credit institutions in the area has partly reduced pressure on pepper growers, helping them to overcome difficulties. At the same time, it opens up opportunities for people to re-invest, change production and business directions suitable to the circumstances and conditions, create income sources to stabilize their lives and repay debts.