The inclusion of the poor in Vientam requires radical entrepreneurial solutions. The Dariu Foundation (TDF) supports local, small-scale economic activity, thus, enhancing well-beeing and social justice. Our frontline officers are performing multiple and ambiguous roles as facilitators aimed to support the poor.
One of our loan officers, Nguyen Thi Kim Tuyen, gives an inside into her job talking about communication, over-indebteness and why she is happy about her job.
Prename: Nguyen Thi Kim
Year of Birth: 1980
Working for TDF since: 2008
What is the role of a microfinance loan officer at TDF?
Nguyen Thi Kim Tuyen: I am responsible for general management of the clients, from recruiting new clients, taking care of the current ones, collection of loans and savings, approving the loan application…, visiting clients regularly and training for our clients. I also build up relationships with the local partners.
What are the most important skills for your position?
Communication is the most important skill, which every loan officer must have, and it is very important to enable us to communicate well with our clients, maintaining good relationships, aimed at good loan repayments and improved savings by the clients. It also helps us to recruit more clients, in many cases.
How do you assist borrowers to avoid over-indebtedness?
By visiting clients’ houses regularly, I understand each off their circumstances. If they may have any difficulties, I can help them to minimize the consequences, calling for the group members to support or referring job opportunities for them. Secondly, each client should be trained carefully to make sure that they understand their rights and duties. Our training program also helps clients a lot in budgeting, savings and budget management. Last but not least, I provide clients advice on loan use and repayment capacity, as well as good savings to avoid unexpected risks.
What do you like best about your job?
I can contribute to the foundation´s mission by bringing loans to those people in need living in disadvantaged communities. I learnt and grew a lot in the past years, working for the organization. I met many people, could help them to improve their lives and this makes me happy every day.