Hiệu quả từ dự án hỗ trợ vốn pacode trong buôn bán nhỏ tại xã châu lăng huyện tri tôn tỉnh an giang

HIEU QUA TIT DlT AN HO TRO VON PACODE TRONG BUON BAN NflO TAIXA CHAU LANG, HUYEN TRI TON, TINH AN GIANG TRtfdNG DAI HOC AN GIANG KHOA NONG NGHIEP - TAI NGUYEN THIEN NHIEN TRI/ONG LE PHI/ONG TRANG HIEU QUA TIT DU AN HO TRO VON PACODE TRONG BUON BAN NHO TAI XA CHAU LANG, HUYEN TRI TON, TiNH AN GIANG TRl/CJNG 9AI HOC AN GIANG BAO CAO KHOA LUAN TOT NGHIEP KY SIT NGHANH PHAT TREEN NONG THON GIAO VIEN HITOING DAN ThS Trang Thi My Duyen An giang, thang OS nam 2013 Lcei cam ta Trudc tien, toi xin gui lbi biet an den gia dinh toi, dac biet la me toi da sinh va nuoi day toi ngudi, da vat va nhieu vi toi Luon dong vien, ling ho, cham lo ve mat vat chat Ian tinh than va tao moi dieu kien tot nhat cho toi suot diidng hoc tap Toi xin chan cam on tat ca quy Thay Co Khoa Nong Nghiep - Tai Nguyen Thien Nhien noi chung va bo mon Phat Tri^n Nong Thon noi rieng da truy^n dat nhung bai hoc quy bau va tao di^u kien thuan lqi cho toi qua trinh hoan bai khoa luan tot nghiep Dong thdi toi cung xin gui ldi biet an sau sac den co Trang Thi My Duyen da tan tinh giup da va tu van cho toi suot qua trinh thuc hien bai khoa luan Tiep theo toi gui ldi cam an den cac ca quan ban nganh: UBND xa Chau Lang, dac biet la cd Pham Thi Nguyet (Chu Tich Hoi Phu nft), chi Neang Kim Thia (Pho chii Tich Hoi Phu ntr) cung cac chi Hoi Phu nu ap, trudng ap da cung cap thong tin, cac bai bao cao va nhiet tinh giilp da toi sudt qua trinh lam bai Cuoi cung toi gui can an den tat ca ban be, tap the sinh vien lap DH10PN Khoa Nong Nghiep - Tai Nguyen Thien Nhien da nhiet tinh giup da, chia se kinh nghiem va dong vien toi suot qua trinh hoc dai hoc va thuc hien bao cao Truong Le Phuang Trang Muc Luc Npi dungTrang Lai camtai Muc Lucii Danhsachbang,vi Danhsachhinhvii Cacttr viSt tatviii Tom lucreix Chircnig 1: Gioi thieu1 l.l.Datvande.'1 1.2.Muc ti6u nghien cuu::2 1.2.1.Muc tieu chung2 1.2.2.Muc tieu cu the3 1.3.Cau hoi nghien cuu,,3 1.4.Giai han nghien ciiu3 1.4.1.Gidi han khong gian3 1.4.2.Gidi han thai gian3 1.4.3.Doi tucmg nghien cuu3 Chuong 2: Luge khao tai lieu4 2.1.Khai niem ve ngheo4 2.2.Cac tieu chuSn ngheo cua Viet Nam4 2.2.1.Chuln ngheo giai doan 2000 - 2005.'4 2.2.2.Chu^n ngheo giaidoan 2006-20105 2.2.3.ChuSn ngheo giai doan 2011-20155 2.2 Be an 255 2.2.1.Muc tieu5 2.2.2.B6i tucmg h tra6 2.2.3.1.Ddi vai ddt a6 2.2.3.2.Doi vai ddt sdn xudt7 ii 2.2.3.3 Doi v&i nhung ho, lao dong chuyen doi ngdnh nghe7 2.3.DudnPacode9 2.4.Tinh hinh thuc hien cac chuong trinh, chinh sach xoa doi giam ngheo10 2.4.1.Tinh hinh trongnirdc10 2.4.2.Khu vuc D6ng Blng Song Cum Long11 2.5.Khai quat dia ban nghien ciiu13 2.5.1.So lucre vung nghien cuu13 2.5.2.So luqc vS ngudi Khmer14 2.5.3.Chuang trinh ho tro danh cho ngircri ngheo taLxa-Chau-Lang15 2.5.3.1.B6i v&i di an 2515 2.5.3.2.Doi v&i du.dn Pacode16 2.6.V6n16 2.6.1.Khai niemv6n16 2.6.2.Phanloai nguon von (tai chinh) ma ngudi dan d nong thon tiep can i16 2.7.Tin dung18 2.7.1.Khai niem tin dung18 2.7.2.Ban chit tin dung18 2.7.3.Hinh thuc tin dung19 2.7.3.1.Can cuvdo thaihan tin dung:19 2.7.3.2.Can cic vao doi tuang tin dung19 2.7.3.3.Can cu veto muc dich sir dung von20 2.7.3.4.Can cu vao chit thi tin dung20 2.7.4.Vai trd cua tin dung20 2.8.Thuc trang vh tidp can nguon von vay tir cac chucmg trinh, chinh sach h6 tra v6n vay cua ngudi Khmer d nong thon21 Chiromg 3: Phiromg phap nghien ciru24 3.1.Phucrngphap thu thap so lieu24 3.1.1.S6 lieu thucip24 3.1.2.S6 lieu so c^p24 iii 3.1.2.1.Phongvan nguaiam hieu24 3.1.2.2.Thdoluannhom25 3.1.2.3.Phong van sdu nong ho25 3.1.2.4.Phong van nong ho25 3.1.3 Cac buac tien hanh thuc tS khao sat26 3.2 Phuang phap xii ly va phan tich so lieu:26 3.2.1.Xit ly s6 lieu26 3.2.2.Phan tich s6 lieu -.26 Chu-ong 4: Ket qua th^o luan,27 4.1.T6ngquanvgn6nghp27 4.1.1.Thanh vien gia dinh27 4.1.2.Dp tu6i nhung nguai duac phong vln28 4.1.3.Trinh dp hoc v^n cua chu ho28 4.1.4.Tong so lao dpng tham gia nghe buon ban nho29 4.1.5.Kinh nghiem buon ban cua chu ho30 4.1.6.Nguon von kinh doanh cua ho31 4.2.Du an ho tra von vay buon ban nho tai xa Chau Lang32 4.2.1 Qua trinh tiSp nhan thong tin vay von buon ban nho cua phu nu Khmer tu du an32 2.2 So d6 vay v6n cua phu nu Khmer tham gia vay v6n buon ban nho tai xa Chau Lang34 4.3.Nhu diu vay v6n cua phu nu Khmer buon ban nho35 4.4.Thuc trang h tra v6n vay buon ban nho tir cac du an Pacode37 4.5.Muc dich su dung von vay cua phu nu Khmer39 4.6.Hieu qua su dung von vay buon ban nho cua phu nu Khmer tai xa Chau Lang' '42 4.7.Nhung thuan lpi va kh6 khan cua phu nu BQuner tham gia vay v6n buon ban nho46 4.7.1.Thuan lai:47 4.7.2.Kho khan49 4.8 Mot so giai phap nang cao hieu qua su dung von cua phu nil Khmer 51 Chuong 5: Kit luan va kiln nghi52 5.1.Kltluan52 5.2 Kiln nghi53 5.2.1.Doi vdi chinh quyen diaphiiong53 5.2.2.D6i voi du an Pacode54 5.2.3._B6Lv6i nguhi dan^54 Tai lieu tham khao55 Danh sach bang Ten bangTrang Bang 1: Ty 16 ho ngheo cda cac tinh vung BBSCL12 Bang 2: Ty le ho ngheo ciia Tinh An Giang qua cac nam12 Bang So vien trung binh cua ho 27 Bang So nam kinh nghiem buon ban ciia phu nil Khmer30 Bang 5: Nguon von kinh doanh cua phu nil Khmer buon ban nh6:.31 Bang 6: Thong tin vay v6n cua-phu nil Khmer tai xa Chau Lang33 Bang 7: Mire von ma phu nil Khmer mong muon duac ho tro buon ban nho 36 Bang : Mile v6n hS trqr tir dir an Pacode37 Bang 9: Luang tiSn vay cua ho buon ban'.38 Bang 10: Mure thoa man nhu cau vay von cua phu nil Khmer tai xa 39 Bang 11: Mucdich su dung von vay cua phu nil Khmer40 Bang 12: Luqng v6n si dung sai muc dich mot phSn41 Bang 13: Tong lqi ich cua phu nil Khmer duac ho trq von vay buon ban nho.:43 Danh sach hinh Ten hinh.Trang Hinh 1: Ban d6 huyen Tri Ton va vung nghien ciiu14 Hirih 2: Do tu6i nhung ngircri dupe phong van 28 Hinh 3: Trinh hoc van cua nong ho29 Hinh 4: Tong s6 lao dpng tham gia buon ban nho 30 Hinh 5: So xet duyet va cho vay von tir du an Pacode34 Hinh 6: Hieu qua tir viec h6 trp vay v6n tir du an Pacode42 Hinh 7: Nhftng thuan loi va kho khan qua trinh vay von cua phu nir Khmer46 Hop thong tin Ten hopTrang Hpp thong tin s6 1: Di^u kien vay v6n35 Hop thong tin so 2: Mire von ho tro cua du an Pacode37 • Hpp thong tin s6 3: Cupc s6ng cua gia dinh sau nhan dupe nguon von ho trp43 H6p th6ng tin s6 4: Gia dhth co tich luy/tiet kiem va mua phuong tien sinhhoat43 Hop thong tin so 5: Kien thurc kinh doanh va kha hang trao doi thong tin44 Hop thong tin so 6: Tham gia hoat dpng xa hoi.45 Cac tir viet tat CNH-HDH Cong Nghiep Hoa - Hien Bai Hoa CT Chu tich DBSCL B6ng b3ng song Cuu Long DTN Boan Thanh Nien FDI V6n dSu tu tnrc tiep Niroc Ngoai HCCB Hoi Cuu ChiSn Binh HNB Hoi Nong Ban HPN HpiPhuNu NHCSXH Ngan Hang Chinh Sach Xa Hoi NHNN&PTNT Ngan Hang Nong Nghiep Va Phat Tri^n Nong Thon NHTM Ngan Hang Thuong Mai PCT Pho chii tich PVS Phong v^n sau QTDND Quy Tin Bung Nong Ban UBND UyBanNhanBan Phu chuwng Phu chuong A Bang phong van nong ho Ma so phieu HotennguoiPV Ngdy phong vdn:_ _//2012 _, Xa: Chau Lang, huyen Tri Ton, tinh An Giang Ap:_ A.THONG TIN NONG HO 1.Ho tenngucri duoc phong van:Tuoi: 2.Giaitinh:D Nam D NGTrinh hoc v^m 3.Nhan lire gia dinh: 3.1 Tong nhan khau gia dinh NamNG 3.2T6hgso lao dong: Nam.NG 3.3 Tong so lao dong tham gia-true tiep vao nghe:NamNG B.THONG TIN CHlTONG TRINH HO TROf VON TIN DUNG: 4.Gia dinh chi bat dau san xuat, kinh doanh tu nam nao? 5.Nganh nghe san xuat, kinh doanh, dich vu cua gia dinh la gi? D.ChannuoiD.MuabannhoD IGiac 6.Nguon von kinh doanh cua gia dinh co tu dau (co the chon nhieu nguon) Nguon von Tuco Nguoi than, ban be cho, muon Vay cua nguoi than, ban be Vay cua nguoi ngoai Vaynganhang' Dupe ho Go tu cac to chuc doan the dia phuomg Vay du an Vay Hoi Phu nG Khac Banh dau (X) Ghi chii 7.Trong qua trinh hoat dong san xuat, kinh doanh gia dinh co nhu cau vay von hay khong? D co? khong Neuco, muc dich sii dung von cua gia dinh lagi? 8.Khi co nhu cau cho hoat dong san xuat, kinh doanh, dich vu, gia dinh se tim den nguon von nao duai day: ?Nguai thanD Cac ngan hang D Ban be D Cac hoi, doan the dia phuang D Quy ho trq giam ngheo III Vay nong thi truang DKhac 9.Khi co nhu cau duqc vay von, gia dinh se lien he true tiep vai ai? D Can bp ap ? T6/nhom truong D Can bo xa (HPN, HND, Boan TN, ) ? Can bo tin dung DKhac 10.Muc von ma gia dinh chi can duac ho tra la bao nhieu? D < = 2trieu? Tren - trieu DTren5-10trieuD Tren 10-15 trieu D Tren 15 - 20 trieuD > 20 trieu 11.Chi co biet hien a dia phuong co nhtrng chuorng trinh giup da nao danh cho nguai ngheo de tao cong an vide lam khong? ?Hoan toan khong biet? Vay von di hoc ?Vay von lam an ? Huong dan chan nuoi, tr6ng trot D Day ngh^, (3TVLD Khac 12.Chi biet duac nhung thong tin tir dau? D Khong bi^tD Hoi Phu nu D Hoi doan the dia phuangD Ban ^p D T6 nhom, cau lac boD Bao, dai phat thanh, TV, ?Hang xom, nguai than? Khac 13.Chi da nhan duac nhung ho tra nao cac chucmg trinh chi da biet? D Kh6ng nhan duae gi? Day ngh, GTVL D Vay von chan nuoi? Vay von di hoc ?Vay von buon ban nho ? Vay von xay nha D Huang dan ky thuat chan nuoi, trot ? Khac 14 Hien tai gia dinh chi co vay von de san xuat, kinh doanh khong? D Co D khong Neu co, gia dinh da vay tur cac nguon vay nao ben diroi? Dieu kien vay Luohg tien Nguon vay Muc dich Th^ han vay vay vay (trieu dong) (tilling) Chuorng trinh 167 CT-74 (De an 25) Dor an Pacode Vay tir nhan (vay nong) Khac 15 Chi sir dung von vay nhu the nao? Muc dich So tiSn dong) Muaban (Trieu Ghi chu Lai suat (1-Thichdp; (%/thang) 2-Tin chap; 3-Khdc) 16 Chi co sir dung tien vay ngoai muc dich mua ban khong? DC6 dKhong Neu co, xin vui long cho biet cu the muc dich do? Muc dich So tien (trieu dong) Ghi chii Trano Chi tieu gia dinh Chi phi cho giao due Chi phi cho y t Chitrakhac 17.Luang tien vay co du san xuat, kinh doanh khong? D CoD khong Neu khong, hrong tien can vay them la(trieu dong) 18.Cac TCTD yeu cau dap ung nhung dieu kien hay tieu chi gi de gia dinh duac h tra vay von? ?Ho sa thii tuc day- du D Phuong an san xuat kinh doanh ?Co tai san the chap D Co su bao lanh cua dia phuang (vay tin chap) iU Nang luc san xuat kinh doanh tot ?Khac 19 Khi tiep can vai cac nguon von ho trg, gia dinh thuang gap nhung kho khan gi? Nhan to Banh Mire quan tarn dau (Theo so thir tu) (A Ho sa thu tuc Lai suit khong phu hap Sir bao lanh ciia dia phuang Thai xet duyet CBDP co nhfet tinh khong Thai han chd xet duyet So lugng tien vay dugc it Thai gian cha nhan tien Khong du thai gian tra no vay Thanh vien to/nhom khong tra ng vay diing han 10 Thai nhan vien ngan hang 11 Thai ciia to/nhom trudng 12 Xay dung phuang an san xuat kinh doanh 13.Khac(ghiro): 20.Xin ba vui long cho biet nhung lori ich dugc ho trg von vay san xuat kinh doanh? (Cau hoi co nhiiu lua chon) D Gia dinh khong thieu an ?Co tich Iuy/ti6t kiem ?Mua dugc phugng tien sinli hoat nha D Tra dugc cac khoan ng vay nong ben ngoai truac day D Biet dugc each tinh toan chi tieu gia dinh ?Tang kha nang trao doi, chia se vai cong dong DKhac 21.Trong nhung Ian vay truac, gia dinh chi co tra ng dung han khong? D Co ? khong N6u khong, xin cho biet ly do: Cach giai quyet: 22 Tir bat dau vay san xuat, kinh doanh den nay, gia dinh chi co bj cac chuang trinh/ngan hang tu choi ho trg von vay khong? DKhong D Co Nguyen nhan CYHtN: 23 Chi co kien nghi gi doi vai cac chuang tnnh ho tra/TCTD de gia dinh co the dugc chuang trinh/TCTD taHra:v6n-vay? ??? Doi vai nguai dan: ?Doi vai dia phuang: ?Doi vai ngan hang: Xin chaii cam on chi da cung cap nhung thong tin tren ! Phy chirong B Phieu phong van nhom Ho vatennguci duyc phong van: Ap:Xa Chau Lang, Huyen Tri Ton, TinhAnGiang Ngay phong van: 1.Trong qua trinh buon ban, ba co gap kho khan ve von khong? 2.Neu thieu von vay ba co tham gia cac chuong trinh ho try von vay khong? Phan I NhfiBg ho dirge ho try von vay tir chuong trinh 1.^Ba biefduyc cac thong tin chuong trinh ho try von vay tir dau? 2.Ai la ngucri da cho ba biet thong tin ve chuomg trinh h try v6n vay? Thong tin duyc truyen dat bang each nao? 3.Dieu kien de ba duyc vay von tir chuong trinh la gi? 4.Thu tuc vay v6n nhu thS nao (kho hay dl)? 5.So tien duyc vay la bao nhieu? 6.Thai gian va lai suat vay? 7.Lyi ich duyc ho try von buon ban tir chucrng trinh la gi? 8.Luang von vay co dap ring hSt nhu ciu ve von viec buon ban cua ba khong? 9.Neu khong du thi ba co vay muyn them a dau khong? lO.Ngoai viec buon ban thi ba co su dung v6n vay vao muc dich nao khac khong? 11.Tu nop ho sa den nhan tien mat bao lau? Co ton khoang chi phi nao khong? 12.Den thai han tra ny thi ba co tra no dung han khong? Neu khong, tai sao? 13.Hinh thuc tra ny nhu the nao? 14.Hieu qua ciia viec su dung von vay nhu the nao? 15.Thai cua can bo tin dung qua trinh lam thu tuc vay von nhu the nao? 16.Cac to chuc doan the (HPN,HND, Ngan hang, ), chinh quyen dia'phuang co vai tro gi viec ho try von vay tir chucrng trinh? 17.Thuan lyi va kho khan qua trinh tiep can nguon von vay? 18.De xuat gi cho viec ho try von vay tir cac chucrng trinh doi vai viing nong thon, dac biet la nguai ngheo? Phan II Nhimg ho khong dirge ho tra von vay tvr chuong trinh 1.Neu khong dugc ho tra von thl ba vay mugn a dau? 2.Bieu kien nao de ba co the vay mugn dugc? 3.Khi vay mugn ba co thong qua trung gian hay gap true tiep ngubi cho vay? 4.Kha nang tiep can nguon von vay mugn co de dang khong? Tai sao? 5.Cac thu tuc vay mugn co khac gi so vdi chuong trinh? Cu thS? 6.Cac thu tuc vay mugn co phat sinh them chi phi nao khong? Neu co, ke ra? 7.So tien dugc vay nhieu nhat la bao nhieu? 8.Khi vay mugn co can the chap tai san gi khong? Tai sao? 9.Thai gian va lai suat vay mugn nhu the nao? Hai ben co thoa thuan gi truac khong? 10.Lai suat cao hay thap han so voi chuang trinh khong? Bao nhieu? 11.Hinh thiic tra ng: mot Ian hay nhieu Ian? 12.So tien dugc vay mugn co dap ung het nhu cau von cua ba khong? Tai sao? 13.Ba co de xuat gi doi vdi chinh quyen dia phuong cung nhu cac chugng trinh ho trg von vay? Phu chuoTig C Bang phong van sau nong ho Ho ten nguoi phong vin:Ngay / /2012 Apxa Chau Lang, huyen Tri Ton, tinh An Giang 1.Ho ten nguoi duoc phong van: 2.Hotenchuho: Gioitinh: D Nam DNfi 3.Trinh van hoa: 4.Nghenghiep cuachuho? 5.So nhan khiu ho: Nam: Nu: 6.T6ng s6 lao dong: Nam: Nu: 7.Ba su dung nguon von ttr dau de mua ban? Ke ra? 8.Khi mua ban ba co gap co kbo khan ve von khong? D co D khong 9.Neu co, tai co? 10.Ba co biet cac chuong trinh ho trcr von vay nao tai dia phuong khong? D coD khong NSuco, k^ra? l.N^u co thi ba bi6t thong tin tu dau? 12.Thong tin duoc truyen dat bang each nao? 13.Ai se la nguoi truyen dat thong tin cho ba? 14.Ba co duoc ho tro vay von tu chuong trinh nao khong? D co ? khong 15.Neu co thi dieu kien/tieu chi gi ma ba duac ho tro?, 16.KM vay von can co nhung thu tuc gi?,:.' 17.Then gian va lai suit nhu thi nao? Co phu hop khong? D co ? khong 18.So tienduocvay labaonhieu?v 19.Tukhinopho so den nhan tien mat bao lau? Tai sao?, 20 Theo ba thoi gian nhu vay \k: D nhanh D trung binh D cham 21.Thai gian nhu vay co anh huong gi den viec mua ban/kinh doanh cua ba khong? D co n khong Neuco,kera? 22.Khi lam thii tac vay von thi ba co ton khoang chi phi nao khong? ? co D khong Taisao? 23.Den thai hantra no thi ba co trancr dung han khong? Deo" D khong Tai sao? 24.Neu khong tra dupe na vay thi to chuc tin dung se lam gi? 25.Hinhthiictrananhuthenao?D mot Ian D nhieu Ian Neunhieulan, bao lau mai tra mot Ian? 26.Theo ba thi thai phuc vu cua can bo tin dung co t6t khong? D co D khong Taisao? 27.Lupng von vay dupe co dap ling het nhu cau ve von cua ba khong? ? co ? khong Taisao?^ 28.Neu khong du thi ba co vay muonchokhac khong?Deo D khong Neu co, ke ra? Taisao? 29.Ngoai viec buon ban thi ba co su dung von dupe vay vao muc dich nao khac khong? D co Neu co, kera? Taisao? ? khong 30.Ba sir dung von vay co hieu qua khong? ? co D khong NSu co, thi hieu qua nhu thS nao? 31.Thu nhap ciia 6ng/ba sau vay von? ? tang ? binh thuang D giam Taisao? 32.Cupc song cua gia dinh ba sau dupe ho trp von vay? ?t6tD binh thuang? khong t6t Taisao? 33.Ba cho bi6t cac to chuc doan the (HPN,HND, Ngan hang, ), chinh quy^n dia phucmg co vai tro gi viec ho trp von vay tur chuang trinh? 34.Truac dupe ho trp vay von thi nguon thu nhap chu yeu cua gia dinh.tir dau? Thu nhap la bao nhieu VND/thang/? 35.Tir truac tai gia ba vay dupe may dot?:' 36.Lupngtien vay cua timg dot nhu the nao? ? tang ? binhthucrng D giam 37.Thai gian vay cua cac dot sau nhu the nao? 38.Thai gian vay co anh huong gi ddn cong viec buon ban cua ba khong? D co? khong Neu co, hay ke ro? 39.Ba cho biet lpi ich tham gia chuang trinh? 4O.Xin ba cho biet cu the nhung kho khan gap phai tiep can nguon von vay? Hay kera? 41.Ba co ke hoach gi ve viec vay von cho thai gian tai day khong? ?tiep tuc vay ? khong vay nua ? vay to chuc khac 42.Ngoai ehuang trinh 74 ba co tham gia chuang trinh nao khac khong? ?coD khong 43.Neu co, ba da tham gia cac churang trinh nao drrai day: Nguon LiroBg tien vay Muc dich ThM han vay (trieu dong) vay vay (tilling) Lai suat Sieu kicn (%/thang vay ) CT - 167 CT-74 Du an 25 Diran Pacode Khac 44 Ba co de xuat gi doi vai cac chuong trinh ho trg von vay cho ngirai ngheo dirge hoat dgng tot hon thai gian tai? Ve phia chinh quyen dia phuong; , Ve phia to chiic tin dung: Ve phia nguoi dan: Phu chuong D Phong van chinh quyen dia phuong •Ho ten nguai dupe phong van: •Chucvu:SDT •Dia chi: •Giaitinh:Tuoi: 1.6ng/ba cho biet dai song cua nguai khmer d dia phucmg nhu the nao? 2.Ty le ho Khmer ngheo a dia phucmg? 3.Nguyen nhan nao dan den ho ngheo? 4.Trinh dp hoc van cua nguai Khmer a dia phucmg nhu the nao? 5.Rieng doi voi phu nu Khmer thi ? 6.Ty le ho Khmer ngheo d dia phucmg nhung nam gan day tang hay giam? Tai tang (hoac giam)? 7.6ng/ba cho biet co bao nhieu ho Khmer co nhu cau vay von san xuat? Tai sao? 8.Co bao nhieu ho Khmer dupe ho trp vay von san xuat? 9.Dieu kien\tieu chi nao de ho dupe xet ho trp vay v6n san xuat? • 10 Trong cac ho Khmer do, co bao nhieu ho co chu ho la nu? 11 6ng/ba cho biet lpi ich cua phu nu Khmer tham gia chuong trinh nay? 12.6 dia phucmg co nhung chucmg trinh, chinh sach nao h6 trp von cho nguai Khmer dupe thuc hien? Ket qua nhu the nao? 13.Danh sach dang ky tham gia chuang trinh la tu nguyen hay bat bupc? 14.Ong/ba cho biSt lupng tien ma phu nu Khmer dupe h trp vay tu chucmg trinh la bao nhieu? 15.Ong/ba cho biet thai gian va lai suit vay von nhu the nao? Lai suat vay co phu hop vai phu nil Khmer khong? Tai sao? 16.Hinh thiic tra no va each dong lai nhir the nao? 17.Ngucri di vay co can the chap tai san gi khong? Tai sao? 18.6ng/ba cho biet sau vay von thi phu nil Khmer co tra no dung han khong? Neu khong, tai sao? 19.Nhung chuong trinh, chinh sach ho tra von vay cho nguai khmer a dia phuang co phu hap khong? Tai sao? 2O.Thuc trang tiep can nguon von vay ciia nguai khmer a dia phuang duac ho trgf tir cac chuang trinh, chinh sach? 21 Theo 6ng/ba thi nguai dan vay von co su dung vao dung muc dich khong? 22.6ng/ba cho biet tir nhan duac nguon von ho tra thi dai song cua phu nil Khmer nai day co cai thien han khong? Tai sao? 23 Trong qua trinh tiep can von vay phu nil Khmer gap nhung kho khan nao? Tai sao? 24.6ng/ba cho biet thuan lqi va kho khan qua trinh trien khai thuc hien cac chuang trinh, chinh sach ho trq von vay tai dia phuang? 25 6ng/ba co de xuat gi de cac chuang trinh ho trq von cho nguai Khmer ngheo dat duqc ket qua tot han thai gian tai? Phu chirong E: Phong van can bo du an Ho va ten nguai duqc phong van: Chile vu: Biachi: Giai tinh:Tuoi: I.Du an ho trq thuc hien duqc bao lau JlCach-thiic.thuc hien cua du an Pacode nhu the nao? 3.Cach thuc ho trq cua du an co gi khac so vai cac chuong trinh cua Chinh phu? 4.Thai gian ho tra nguon von cho phu mr Khmer tai dia phuang la bao lau? 5.Bieu kien tham gia du an Pacode? 6.Muc ho tra cao nhit cua du an la bao nhieu? 7.6ng/ba cho biet sau vay von thi phu nu Khmer co tra na dung han khohg? Neu khong, each giai quyet? 8.H6 sa thu tuc can nhung gi? Cu the lam ho sa nhu th6 nao? 9.Rieng thai gian cha xet duyet va thai gian cha nhan tien thi mat bao lau? lO.Nguai dan nhan tien ho tra bang each nao? I1.Du an thu na true tiep tu nguai dan hay thong qua dia phuang? Giai thich cu the? 12.Sau thu nq xong thi bao lau mai thuc hien cho vay Ian tiep theo? 13.Du an co gap kho khan van de thu nq/nq qua han khong? Neu.co,k6ra? Cach giai quydt? 14.De khac phuc nhung nguyen nhan tren va giup cac ho san xuat kinh doanh duqc vay von, du an co kien nghi gi doi vai doi tuqng nay? 15.Du an co kien nghi gi doi vai Nha nuac viec giup du an thao go nhung vudng mdc viec ho trq v6n cho cac ho ngheo, dac biet la phu nu Khmer ngheo? ... nganh nghe (budn ban nhd) gdm: Chuang trinh 74 (de an 25), du an Pacode 2.5.3.1 Doi vai de an 25 Can cu vao danh sach phe duyet cua UBND huyen Tri Ton vi thuc hien de an 25 cua UBND tinh An Giang. .. Ten dir an: Phat trien cpng dong co sir tham gia cua ngudi dan tai An Giang va Sdc Trang (PACODE) Dia han thirc hien: xa tap trung nhieu nguoi khmer Tai An Giang: Xa Chau Lang, Lam (huyen Tri Ton);... DAI HOC AN GIANG KHOA NONG NGHIEP - TAI NGUYEN THIEN NHIEN TRI/ ONG LE PHI/ONG TRANG HIEU QUA TIT DU AN HO TRO VON PACODE TRONG BUON BAN NHO TAI XA CHAU LANG, HUYEN TRI TON, TiNH AN GIANG TRl/CJNG