CENTER FOR COMMUNITY TRANSFORMATION
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- Dwayne Campbell
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1 CENTER FOR COMMUNITY TRANSFORMATION 1
2 The Challenge of Reaching Scale in CCT Housing Microfinance
3 Objectives of CCT Housing Program: Platform for family strengthening Help reaffirm the fathers leadership in families (Productive loans for mothers, housing loans for fathers; women s fellowship; fathers kingdom builders fellowship) Changed Lives + Strengthened Families = Transformed Communities
4 CCT Group of Ministries VISION People live with dignity & sufficiency In accordance with God s s plan for a just, humane & caring society. STRATEGY Provision of holistic and integrated services & training of servant leaders Housing Servant Leadership Development God-Centered Character Formation Social Services & Security Micro Finance Entrepreneurship Development Services Education
5 CCT Group of Ministries Visions of Hope Foundation, CCT Mutual Guaranty Inc. CCT Shared Vision CCT Tindahan. CCT Credit Cooperative CCT Training & Development Institute
6 Design of CCT Housing Program: Save and build approach Technical assistance in design and construction - Optimizing use and design of limited housing space; - Stronger structural foundations for houses built in danger zones e.g. riverbanks; dumpsites - Assistance in materials procurement. Training of male household members Family retreats/ other family strengthening interventions
7 Year Aug.2007 Total CCT Housing Microfinance Amount of Loans Disbursed Philippine Peso US$ 723,200 15,722 34,161, ,639 63,611,200 1,382,852 7,785, ,239 7,293, , ,573,800 2,468,995 No. of Persons 50 1,369 1, ,185
8 Scheme Status RR Loan Balance # of Persons Amt. (PhP) Amt. (U$) Old STOPPED 76% M.32 M Revised 1 STOPPED 79% M.29 M Revised 2 STOPPED 98% M.11 M Total 1, M.72 M
9 CCT Housing Sources of revolving fund for Housing MF: >Habitat Trust Fund >CCT Board Members & 2 Donors >Savings deposits from home partners Total Revolving Fund Total Loans Disbursed Loan Portfolio PhP 16,000,000 6,552,880 6,866,939 29,419, ,473,800 33,581,051 U$ 347, , , ,561 2,468, ,023
10 The Product CCT Housing Loan Loan for house rennovation/repair Maximum of Php 30,000 Payable in affordable weekly installments over one year (50 weeks) Can accelerate payments to avail of next loan for succeeding phase of house repair Package of entrepreneurship development and family strengthening services
11 , , , , , , , , ,026 47, , ,180 1,283 59,000 1,087 50,000 US$ Php US$ Php US$ Php US$ Php Daily Weekly Payments Maturity Value Loan Amounts
12 The Price Incentive offered to Community Partners w/ one-year good track record Loan bears 18% p.a. interest flat rate (portion returned as patronage refund) Weekly savings deposits have accumulated to 20% of target loan (earning 5% p.a. interest)
13 CCT Microfinance Experience Total outreach 2,676 13, ,000 Borrowers 2,218 9,209 72,732 Loan Portfolio 8.9M 25M 322M Savings Mobilized 1.3M 10M 155M Repayment Rate 52% 97% 99% OSS 124% 115% FSS 105% 107% # of Branches # of Bible Study Groups 509 6,729 Portfolio at Risk 100% 12% 3.3%
14 CCT Comparative Performance MF Productive Loans Loans Disbursed Loan Portfolio Savings Deposits Y 2001 PhP U$ 54.2 M 1.18 M 25.2 M.55 M 10.2 M.22 M PhP 1.87 billion M 181 M Y 2007 U$ 40.7 M 8.5 M 3.9 M
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17 CCT MF Turn-Around Strategies Standardized loan products Standardized lending policies, systems and procedures Simplified recording, book keeping, MIS Quality partners and committed leaders Cohesive and involved fellowship groups meeting weekly Efficient collection system Zero tolerance for delinquency Internal control Low overhead costs Discipline for staff and partners
18 Directions for CCT Housing Program: Year Scale-up Total CCT Borrowers (Projected) Target Home Partners ,000 (actual) 150, , ,000 3,185 actual (2.6%) 12,000 (8%) 16,200 (9%) 21,600 (10%)
19 Directions for CCT Housing Program: Raise up equity funds for the common vision of A Decent House for Every Filipino Family CCT Cooperative members: Board & regular members; community partners Concerned business sector: individuals, families, corporations Donations from organizations Surplus from CCT Cooperative productive loans operations Development banks
20 CCT, August 2007 Sources of revolving fund for MF Business Loans: >Preferred Shares of Community Partners >Common Shares of CCT Board & Members >Savings deposits from community partners >Loans from Board members, non-interest bearing >Commercial loans Total Total Loans Disbursed (annualized) Loan Portfolio PhP 8.5 M 15.6 M 181 M 27.5 M 0.8 M M 1.87 billion M U$.18 M.3 M 3.9 M.6 M 17,391 5 M 40.6 M 8.5 M
21 Directions for CCT Housing Program: More intentional Family Retreats Network with co-vision sharers. - Young generation of idealistic architects concerned of the magnitude of housing problem in the Philippines (e.g. University of the Philippines Architectural Society) for design of low-cost and space-efficient houses attuned to Filipino culture & environment.
22 Directions for CCT Housing Program: Technical Skills Training of male household members who will eventually become Pool of skilled construction workers (i.e. masonry, plumbing, electricity). They will serve the manpower needs in the construction of houses.
23 Directions for CCT Housing Program: Putting up of a Housing and Development Corporation, a separate legal entity to focus on developing socialized housing models with unique Filipino design and will be affordable for its target clients
24 The CCT Dream
25 ISAIAH 65:17-25 Behold, I will create new heavens and a new earth. The former things will not be remembered, nor will they come to mind. But be glad and rejoice forever in what I will create. I will take delight in my people; The sound of weeping and of crying will be heard in it no more...
26 Never again will there be in it an infant who lives but a few days.
27 Or an old man who does not live out his years ;
28 They will build houses and dwell in them,
29 CCT Home Partner: Mary Ann Pantinople, P 20,000 loan, 2 years, for kitchen and roofing repair
30 CCT Home Partner: Fegi Salvacion, P50,000 Total house renovation/ new house (3 yrs.)
31 CCT Home Partner: Conchita Nevada, P50,000 loan for house renovation, 1 year
32 They will plant vineyards and eat their fruit.
33 (They) will long enjoy the works of their hands.
34 They will not toil in vain or bear children doomed to misfortune
35 For they will be a people blessed by the Lord...
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