NHCSXH - GDTC

The NHCSXH - GDTC app is a must-have tool for anyone looking to improve their financial knowledge and management skills. Developed with the support of Oxfam graduates in Vietnam, this app provides users with the latest information about financial programs from the Main Bank Social book. Whether you're interested in learning about the Bank for Social Policy (VBSP), financial education knowledge, or managing your expenditures, this app has got you covered. With features like expenditure management, calculating loan payables and savings, and even a read aloud option for all text articles, this app is designed to make financial education easy, accessible, and interactive.

Features of NHCSXH - GDTC:

⭐ Information about Bank for Social Policy (VBSP):

- Introduction to VBSP: Provides users with an overview of VBSP and its role in social banking.

- VBSP's loan process and interest rate procedure: Explains the process of obtaining loans from VBSP, as well as the interest rates associated with them.

- Incentive service: Highlights the various incentive programs offered by VBSP to support individuals and businesses.

- Farmers do business successfully: Shares success stories of farmers who have utilized VBSP's services to thrive in their businesses.

⭐ Information about financial education knowledge:

- Personal / household financial management: Offers guidance on managing personal and household finances effectively.

- Support for production and business: Provides models and knowledge on how to make efficient use of loans for production and business purposes, including livestock production.

- Knowledge of financial education: Presents detailed financial lessons with multiple choice exercises for users to learn and apply in their daily lives.

⭐ Expenditure management:

- Manage expenditure sources and revenues by week, month, and year: Allows users to track their sources of income and expenses over specific time periods.

- User enters daily expenditure and the application will make statistics to show residual/deficit results: Enables users to input their daily expenses, and the app will generate statistics to show their remaining funds or deficits.

⭐ Calculate loan payables (principal, interest), savings:

- User enters the information, and the application will calculate the loan/deposit including principal and interest over time: Helps users calculate the total amount they need to repay on their loans, including both principal and interest. It also assists in calculating savings over time.

⭐ Notice of new services of VBSP: Keeps users informed about the latest services and programs offered by VBSP.

⭐ Read aloud text (speech-to-text) for all text articles in the app: Offers users the convenience of having all the text articles in the app read aloud to them, making it easier to access information.

Tips for Users:

⭐ Take advantage of the detailed financial lessons: Make sure to go through the financial education lessons available in the app. They provide valuable knowledge that can be applied to real-life situations.

⭐ Utilize the expenditure management feature: Track your expenses regularly using the app's expenditure management feature. This will help you understand your spending habits and make necessary adjustments to manage your finances effectively.

⭐ Calculate loan payables before making borrowing decisions: Before taking a loan, use the app's loan calculation feature to determine the total amount you will need to repay, including both principal and interest. This will give you a clear understanding of your financial obligations.

Conclusion:

NHCSXH - GDTC is a comprehensive tool that provides users with valuable information and resources for better financial management. With features such as information about Bank for Social Policy, financial education knowledge, expenditure management, loan payables calculation, savings calculation, and notice of new services, the app offers a one-stop solution for individuals and families to enhance their financial literacy. By utilizing the app's features and following the playing tips provided, users can gain knowledge, manage their finances effectively, and make informed financial decisions.