Credit pilot program for HIV carriers gets longer

Thursday 20/02/2020 10:50

VGP – The Prime Minister has decided to continue piloting the credit program for HIV carriers and their households, post-treatment HIV carriers, those who undertook  drug treatment of opioid addiction and reformed prostitutes, according to Decision No. 29/2014/QD-TTg credit for households of HIV carriers, rehabilitated drug abusers  and reformed prostitutes at 15 localities till December 31, 2020. 

Individual borrowers included HIV carriers, persons undergoing opioid replacement therapy; and reformed prostitutes.

Household borrowers are households having members that are HIV patients; rehabilitated drug abusers; and persons undergoing opioid replacement therapy.

The loan must not exceed the limits below: a) An individual may take a maximum loan of VND 20 million; b) A household may take a maximum loan of VND 30 million; and c) A borrower may take multiple loans, but the total loan must not exceed the limits stated above.

However, in Decision 02/2020/QD-TTg, 50% of loans are provided by government budget according to annul plans. The Viet Nam Bank for Social Policies mobilizes the rest of 50% of loans. The State budget offsets interest rate difference and management costs. 

The Ministry of Labor, Invalids, and Social Affairs announced that the preferential interest rate loans aims to help rehabilitated drug addicts, reformed prostitutes and HIV carriers to find jobs, increase incomes for individuals and households, improve their health and quality of life and reduce relapse rate. Thanks to the policy, the beneficiaries got jobs and raised their incomes by VND 2-5 million per month.

The proportions of relapse and recidivism have witnessed remarkable decreases. Some localities have not uncovered relapse and recidivism. The proportion of relapse in the southern province of Bac Lieu was estimated at 40% while the proportion of recidivism among HIV carriers who can not get access to loans was 80%. In Son La Province, two among 31 HIV carriers relapsed, making up 6.45%.  

The success and stabilization of lives through using loans effectively have reduced discriminations against vulnerable groups, helping these people to re-integrate into community. 

By Thuy Dung

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