| 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 |
| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | Yes |
| Website address | http://www.amrdo.org |
| Year established | 1998 |
| Head of Institution | Mr. Abdul Jabbar Chhachhar |
| Regions active | Sindh |
| # Branches | 12 |
| Total Portfolio (nat'l) | PKR 124,907,948 |
| Total Portfolio (USD) | USD 1,226,596.05 |
| Active clients with loans | 14,361 |
| Approximate % female clients | 40% - 60% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | MON-PAK, NHN-Sindh Chapter, SMN-Sindh, FANSA-Pakistan Chapter |
| Funders | Pakistan Povery Alleviation Fund-PPAF/Orix Leasing Pakistan, United Nations Development Program-UNDP, Aurat Foundation-USAID, OPP-OCT/RTI-MISEROR |
| 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 | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| MC Enterprise | PKR 3,000 - 75,000 | 12 | 40% - 60% | 40% - 60% | Business | Women, Men, Have business | Group Mtgs |
| 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 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| MC Enterprise | 22.0% annual, Flat | 2 Fees | 0 | None | N/A | 47.8% - 48.5% | 47.8% - 48.5% | 45 |
| 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 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 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 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 Ins | None | 20.0% upfront 100.00 ongoing | 87.6% | 131.3% - 131.4% | 30 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| MC Enterprise | 22.0% annual, Flat | 2 Fees | 0 | None | N/A | 47.8% - 48.5% | 47.8% - 48.5% | 45 |
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