The capital challenge will only be effectively addressed when both banks and business community strengthen their accountability while aligning with sustainable development goals.

Enterprises are currently under significant pressure from rising capital costs, while market disruptions have slowed working capital turnover. For agricultural enterprises across the province, prolonged inventory holding - whether finished goods or raw materials - carries substantial risks given unpredictable global price movements. In response, numerous firms have shifted away from broad, unfocused investment towards prioritising deep-processing product lines with higher value.

Production activities at An Thai Investment and Development JSC.

According to Mr. Nguyen Xuan Loi, CEO of An Thai Investment and Development JSC, the most critical solution lies in optimising capital circulation in tandem with tighter inventory alongside materials management. Maintaining sufficient stock helps conserve capital as well as significantly improve turnover efficiency.

Alongside product restructuring, smarter operational management has emerged as a decisive lever for improving financial efficiency. The adoption of centralised management systems along with logistics tracking enables enterprises to cut invisible losses in warehousing and transportation by 15 - 20%.

Promoting the role of financial facilitator

As a financial facilitator, the provincial banking system is implementing decisive measures to channel capital in a timely and well-targeted manner.

Mr. Vo Tien Nam, Deputy Director of Agribank Dak Lak Branch, noted that the bank is accelerating reforms along with streamlining procedures to enable easier credit access for enterprises.

Simultaneously, the banking sector is clearly redirecting credit flows towards production together with business activities, agriculture and rural development, as well as environmentally sustainable projects.

Mr. Nguyen Duy Tuan, Director of MB Bank Dak Lak Branch, said the bank is prioritising low-emission sectors while offering interest rate reductions of 1 - 2% for green loans, providing tangible support for enterprises transitioning towards sustainable models. For larger firms, financing is focused on sustainable value chains, including cashew, rice, textiles, and medical equipment.

To ease collateral constraints, MB Bank has also introduced unsecured working capital financing for SMEs alongside individual business households engaged in high-tech agriculture, enabling reinvestment and production expansion. For Dak Lak’s key coffee export sector, the bank applies flexible green credit policies to support working capital demand.

As banks expand access through streamlined procedures and modern technology, while enterprises adopt more disciplined and efficient capital management, Dak Lak’s economic ecosystem will create stronger, more substantive breakthroughs in the period ahead.

Translated by KHUONG THAO