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Focus Operation of the Indigenous Peoples Commission Enacts to Grant the Credit Union

  • 更新時間:2016/08/25 10:28:53

In order to implement the policy of protecting the financial interests of the Indigenous Peoples, we assisted the Indigenous People in the establishment of the Credit Union (Indigenous People Union in short) to solidify the development, enhance the operating performance, and encourage the credit unions throughout the country (The Deposit Union) to strengthen the process governing the project loans for the Indigenous People, which effectively assists them in obtaining ​​the working capital as required urgently. The Indigenous Peoples Commission announced "Focus Operation of the Indigenous Peoples Commission Enacts to Grant the Credit Union" on August 18, 2016, The Deposit Union with qualification of grant or award can be filed as per rule.


The Indigenous Peoples Commission noted that they have made use of the incentives and the capital of The Deposit Union to proceed in "Loans for the working capital of the Indigenous People" and "Living loans for the Indigenous student" since 2000, among of which, the line of credit was exhausted early in each year; as of the end of June 2016, there were a total of 7,071 loan cases which amounting to NTD (hereinafter the same) 327,840,000, indicating that the Project Loan that the Indigenous Peoples Commissions cooperated with The Deposit Union met the need of the tribe and helped them make
​​a smooth turnover. In addition, among 330 The Deposit Unions, the Indigenous People Union which has in-depth development in the tribal homeland accounts for one third (109 unions) of them, as they act like banks in the tribe. Its operation of loan is different from the rigid mechanism and complex procedures in the financial institutions, which may provide convenient local and instant loans, therefore, we prescribe the focus operation herein to regulate it.


The focus operation herein applies to grants and incentives; the Indigenous People Union which was set up for at least 2 years may file with subsidy program of operating facilities; the Indigenous People Union which was set up in 2 years may file with subsidy program for the start-up costs, operating expenses and human resource costs in the employment of administrative staffs with the indigenous people identity. The program will give subsidy to 30 unions and will give priority to those small-scale ones.

In order to encourage the tribes to participate in the The Deposit Union, we assisted them in the development of good habit of “time deposit” through its operating mechanism, that is, a kind of operating mechanism that union members are obligated to pay the capital stock monthly, thereby achieving the target of asset accumulation and economic autonomy and reducing down the reliance on government subsidies. The focus operation herein has prescribed a courageous mechanism of each union encouraging its member to join with The Deposit Union.

For the project loans applied through the grants to The Deposit Union, in addition that we keep encouraging them for applying living loans, we also provide another new incentive for business loans, wherein the Indigenous People Credit Union takes part in the Loan for Government Procurement Operating Capital. The subjects shall be the Union Member with the indigenous identity, and the information related with the loans is stated as follows:

1.        Small-scale project loan for turnover of the Indigenous People: The maximum amount per case is NTD70,000, and the annual interest rate shall be less than 4% (prescribed by each union), and it shall last up to 3 years.

2.        Project loan for the Indigenous Entrepreneurship: The maximum amount per case is NTD300,000, and the annual interest rate shall be less than 4% (prescribed by each union), and it shall last up to 7 years.

Loan for the Indigenous People Credit Union participating in government procurement case: The deposit reaches up to NTD500,000 each year, and the interest rate shall not exceed 3% (prescribed by each union); the repayment period is in 2 months of the date of tender notice; the performance bond and working capital loan reach up to NTD3 million, and the interest rate shall not exceed 3% (prescribed by each union); the repayment shall due in 6 months from the date when the government procurement contract is terminated.
The Indigenous Peoples Commission has noticed the tribes to pay more attention: in case of small amount of money flow needs, please do not apply for usurious loans by underground financial activities, so as not to fall into the trap of high debt burden. If there is any loan related issues, please call the Commission toll-free indigenous people financial service line, "0800-508-188" for further consultation and your call will be received by the Indigenous financial counselors stationing across the country or please visit and search it in our Indigenous Peoples National Development Fund Management Website (
http://ipl.efarm.org.tw).