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5) Building Community-Based Networks for Section 40 Social Security
- The Social Security Office (SSO) has implemented a community-based initiative to expand social
security coverage under Section 40 through the development of local network leaders. This involved training
programs to build the capacity of community-based social security advocates, equipping them with knowledge
and understanding of Section 40 benefits and operations. These trained leaders act as representatives of the

SSO, raising awareness and encouraging informal workers in their communities to enroll in the social security
system and contribute consistently. This decentralized approach aims to strengthen outreach at the local
level nationwide. As of 2024, a total of 11,473 community network leaders has completed the training program.
To further recognize their contributions, the SSO awarded Certificates of Honor under the “Baworn” Network
Initiative, honoring their dedication and volunteerism in helping to advance the social protection agenda for
informal sector workers.
• 2024 Housing Loan Program for Insured Persons
The Social Security Office (SSO) has implemented the 2024 Housing Loan Program for Insured Persons,
in collaboration with the Government Housing Bank (GHB), with a total project budget of 10 billion baht.

The program is open to insured persons under Section 33, Section 39, and Section 40, providing financial
support for home ownership across all 77 provinces. Each eligible insured person may apply for a maximum
loan amount of up to 2 million baht, with loan quotas allocated proportionally based on the number of eligible
insured persons in each province.
The interest rates under this program are as follows:
- Fixed interest rate of no more than 1.59% per year for the first 5 years
- From year 6 to year 8: MRR - 2%

- From year 9 onwards: MRR - 0.5%
As of now, a total of 1,096 insured persons has been approved for loans under this scheme, with a
combined loan amount of 1,757.94 million baht.

118 SOCIAL SECURITY OFFICE ANNUAL REPORT 2024