| Institution Type | Credit Union / Cooperative |
| Is this institution regulated? | Yes |
| Website address | http://www.cct.org.ph/ |
| Year established | 2003 |
| Head of Institution | Ruth S. Callanta |
| Regions active | |
| # Branches | 132 |
| Total Portfolio (nat'l) | PhP 387,176,016 |
| Total Portfolio (USD) | USD 9,262,584.12 |
| Active clients with loans | 76,168 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | NATTCO, MCPI, Hope International, Peer Servants |
| Funders | Five Talents USA, United Kingdom, Tear Fund, New Zealand, Cross International, USA, End Poverty |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Growth Enterprise Loan | PHP 51,000 - 700,000 | 6 - 12 | 60% - 80% | 40% - 60% | Business | Women, Men, Have business, Have home or land, Must be community resident for at least 5 years | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training, Values Development, Personal Counselling and Life Skills Training | |||||||
| Housing Loan | PHP 10,000 - 30,000 | 12 | 20% - 40% | 40% - 60% | Housing | Women, Men, Have business, Have home or land, Must meet requirements of CCT regular business loan | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training, values development, personal counselling, life skills training, health care | |||||||
| Regular Business Loan 4 months | PHP 4,000 - 50,000 | 3.5 | 80% - 100% | 60% - 80% | Business | Women, Men, Have business, Have home or land, Must be community resident for at least 5 years | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Values Development, Personal Counselling and Life Skills Training, Health Care | |||||||
| Regular Business Loan 6 months | PHP 11,000 - 50,000 | 6 | 80% - 100% | 60% - 80% | Business | Women, Men, Have business, Have home or land, Must be community resident for at least 5 years | Credit Educ, Group Mtgs, Tech Asst Visits, Values Development, Personal Counselling and Life Skills Training, Business mentoring |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Growth Enterprise Loan | 10.0%-24.0% annual, Flat | 1 Fee | 0 Ins | None | 30.0% upfront 100.00 ongoing | 56.1% - 60.2% | 109.8% - 121.5% | 8 | ||||||||
| Housing Loan | 18.0% annual, Flat | 1 Fee | 0 Ins | None | 30.0% upfront 50.00 ongoing | 36.9% - 37% | 55.6% - 56.3% | 32 | ||||||||
| Regular Business Loan 4 months | 37.6% annual, Flat | 1 Fee | 0 Ins | None | 20.0% upfront 50.00 ongoing | 92.2% | 139.9% | 27 | ||||||||
| Regular Business Loan 6 months | 40.0% annual, Flat | 1 Fee | 0 Ins | None | 20.0% upfront 100.00 ongoing | 87.6% | 131.3% - 131.4% | 30 |
| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| AGFS | 200 | 47,000 | 2 | 150 |
| Ahantaman RB | 23,800 | 9,896,000 | 4 | 132 |
| APED | 13,700 | 1,876,000 | 2 | 132 |
| ASA Initiative | 4,400 | 577,000 | 4 | 132 |
| ASA-Ghana | 71,600 | 18,385,000 | 2 | 132 |
| ASPI | 800 | 88,000 | 6 | 132 |
| Atwima Kwanwoma | 3,800 | 1,788,000 | 2 | 132 |
| Baobab | 5,100 | 967,000 | 2 | 132 |
| BestFUND | 13,000 | 4,172,000 | 3 | 132 |
| Bonzali Rural | 10,400 | 1,691,000 | 4 | 150 |
| CashPhase | 83 | 135,000 | 2 | 132 |
| CASUD | 1,100 | 524,000 | 1 | 132 |
| CEDEF | 500 | 54,000 | 4 | 132 |
| CFF | 100 | 13,000 | 1 | 132 |
| CRAN | 3,600 | 1,019,000 | 2 | 132 |
| DQF | 1,700 | 63,000 | 2 | 132 |
| EASL | 9,200 | 11,409,000 | 6 | 132 |
| East Mamprusi | 12,500 | 2,268,000 | 4 | 132 |
| ELDA | 0 | 0 | 0 | 132 |
| EMPRETEC Ghana | 200 | 56,000 | 2 | 132 |
| FASL | 13,500 | 14,047,000 | 8 | 132 |
| Grameen Ghana | 9,500 | 507,000 | 3 | 132 |
| ID-Ghana | 5,600 | 953,000 | 3 | 132 |
| Innovative Finance | 2,700 | 354,000 | 3 | 132 |
| Kraban Support | 7,700 | 781,000 | 5 | 150 |
| KRB | 4,000 | 6,350,000 | 3 | 132 |
| Lower Pra RB | 34,000 | 6,316,000 | 3 | 150 |
| Maata-N-Tudu | 12,000 | 941,000 | 4 | 132 |
| Mail Finance | 300 | 288,000 | 1 | 132 |
| Markaz | 0 | 0 | 0 | 132 |
| Markaz Al Bishara | 100 | 17,000 | 1 | 132 |
| MicrofinPlus Gh | 1,100 | 251,000 | 2 | 132 |
| Nwabiagya RB | 4,000 | 2,265,000 | 3 | 132 |
| OISL | 62,000 | 27,232,000 | 9 | 132 |
| Pro Credit | 0 | 0 | 0 | 132 |
| Rich Step | 100 | 101,000 | 1 | 132 |
| SAT | 147,600 | 29,359,000 | 4 | 132 |
| Sekam Trust | 600 | 137,000 | 2 | 132 |
| Simli Pong | 8,900 | 463,000 | 3 | 150 |
| SS Ghana | 200 | 35,000 | 1 | 132 |
| TCCU | 100 | 32,000 | 3 | 132 |
| The Bridge | 400 | 32,000 | 3 | 150 |
| Union RB | 3,800 | 2,361,000 | 4 | 132 |
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