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 |
---|---|---|---|---|
Action | 0 | 0 | 0 | 134 |
Adok Timo | 4,200 | 570,000 | 4 | 165 |
BIMAS | 11,100 | 4,679,000 | 7 | 134 |
ECLOF Kenya | 20,500 | 5,455,000 | 8 | 134 |
Equity Bank | 135,500 | 94,746,000 | 9 | 134 |
Family Bank | 43,200 | 90,700,000 | 5 | 165 |
Jamii Bora | 2,400 | 3,374,000 | 4 | 134 |
Juhudi Kilimo | 10,400 | 4,436,000 | 2 | 134 |
KADET | 12,900 | 5,402,000 | 4 | 134 |
K-Rep | 0 | 0 | 0 | 134 |
K-Rep Bank | 65,000 | 28,743,000 | 4 | 165 |
KWFT DTM | 294,600 | 165,982,000 | 6 | 134 |
LKL | 13,100 | 9,311,000 | 10 | 126 |
MKL | 18,200 | 5,989,000 | 6 | 111 |
Opportunity Kenya | 9,100 | 4,866,000 | 5 | 134 |
PAWDEP | 40,900 | 7,133,000 | 2 | 134 |
RAFODE | 2,900 | 356,000 | 1 | 134 |
SISDO | 7,300 | 3,657,000 | 11 | 134 |
Yehu | 14,000 | 3,149,000 | 11 | 134 |
Key Statistics | |
---|---|
# Samples: | |
# Products | |
# Institutions | |
# Countries | |
# Borrowers | |
Loan Portfolio (USD) | |
% Products using declining balance | |
% Products with one or more fee | |
% Products with one or more insurances | |
% Products with compulsory deposits |
Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
---|---|---|---|---|---|---|---|
X Axis | ||||||
---|---|---|---|---|---|---|
Greater than: | ||||||
Less or equal to: | ||||||
N (# of Samples) | ||||||
Total Borrrowers of Samples | ||||||
Avg | ||||||
Min | ||||||
Max | ||||||
Std Dev | ||||||
By Inst Type | ||||||
By Country | ||||||
X Axis | ||||||
---|---|---|---|---|---|---|
Greater than: | ||||||
Less or equal to: | ||||||
From 0 to | ||||||
to | ||||||
to | ||||||
to ∞ |