Abstract
Social policy credit represents a key instrument of the Party and State in promoting sustainable poverty reduction, improving living standards, and strengthening social security. Implemented through the Social Policy Bank (SPB), this policy provides preferential loans to eligible beneficiaries to support income-generating activities, job creation, and livelihood development. This study evaluates the effectiveness of social policy credit operations during the 2023 - 2025 period based on secondary data. Employing descriptive statistics, time-series comparative analysis, and a system of socio-economic indicators, the research assesses both the scale and quality of credit provision as well as its contribution to social security objectives. The findings offer a comprehensive empirical assessment of program performance and the extent to which policy goals are achieved.
