The year-end sprint requires not only strategic market acumen alongside technological integration in production but also effective capital-flow management together with liquidity to sustain business operations.
To resolve this challenge, the local commercial banking system has actively rolled out preferential credit packages, lowered lending rates, while flexibly applying asset appraisal criteria to ensure timely capital injection for year-end production.
Statistics indicate that by the end of September, total outstanding loans to the economy reached an estimated 291 trillion VND (an increase of 11.7% compared to the end of 2025), with approximately 60% of the outstanding balance carrying interest rates of 9% per year or lower. These positive outcomes stem from the management efforts of the State Bank - Region 11 Branch in boosting credit for production coupled with business activities as well as effectively maintaining bank-business linkage programs.
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| Phong Phu - Phu Yen International Investment Joint Stock Company continuously upgrading its factory systems to boost productivity and meet order requirements. |
| During three quarters of 2026, the province saw 2,830 new enterprises established (a 19.7% increase year-on-year) with a total registered capital estimated at 23 trillion VND, while 540 enterprises resumed operations (up 21.1%). By the end of September 2026, the total number of active enterprises and branches in the province was estimated at 20,680 units. |
Representatives from Dak Lak provincial major commercial bank branches confirmed that capital flows are being prioritized for key production sectors. Mr. Nguyen Duy Tuan, Director of Military Commercial Joint Stock Bank (MB) - Dak Lak Branch, stated that the branch was implementing various solutions to ensure a stable capital supply at competitive rates. Priority is given to crucial sectors, including agricultural products, exports, small and medium-sized enterprises (SMEs), alongside specific preferential packages for factory expansion. Furthermore, credit approval processes have been digitized in conjunction with procedures simplified to facilitate rapid access to capital for businesses. In addition, Dak Lak MB offers a comprehensive financial solution ecosystem, ranging from cash flow management combined with international payments to digital banking along with payroll services, enabling businesses to optimize operational efficiency.
The determination among private enterprises together with cooperatives is vividly demonstrated through increasing working hours, optimizing shift schedules, committing to securing workers’ incomes in coordination with benefits. According to Mr. Nguyen Hung Hoa, Director of Nguyen Hung Co., Ltd., the company targets an export turnover of approximately USD 15 million this year, up from USD 12 million the previous year. To achieve this plan, the company is focusing on maintaining stable operations across five production lines, retaining orders from strategic clients, while also securing raw material supplies through direct partnerships with 180 to 200 fishing vessels. The company is scheduling overtime coupled with adjusting production schedules to meet order deadlines as well as strive toward its export goals.
Translated by TRINH THUY
