Public Holidays Announced in Ghana 2024

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2024 easter holidays in Ghana

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STATUTORY PUBLIC HOLIDAYS AND COMMEMORATIVE DAYS IN THE REPUBLIC OF GHANA FOR THE YEAR 2024

2024 Valentine’s Day / Chocolate Day

Valentine’s/Chocolate Day – Wednesday, 14th February

7th March 2024 Rest Holiday for schools and Parade Teams

Ramadan in 2024

11th March Ramadan

April Fool’s Day / Easter Monday – Saturday, 1st April

Mother’s Day in 2024

Mother’s Day in Ghana- Sunday, 12th May

Father’s Day in 2024

Father’s Day in Ghana – Sunday, 16th June

 Easter Holidays in Ghana

The Easter holidays in Ghana start on

Good Friday, 29th March 2024,

30th March 2024 Holy Saturday,

31st March 2024 Easter Sunday and ends on

Easter Monday, 1st April 2024.

7th January  holiday in Ghana

7th January is a holiday in Ghana – Constitution Day. And this year it falls on Sunday – Monday  8th will be declared by the minister of interior.

1st July  holiday in Ghana

First July is no more a Public Holiday.

4th August  holiday in Ghana

4th August is a Public Holiday, Founders Day and it falls on Sunday, Hence Monday 5th August will be Declared as Holiday.

25th May  holiday in Ghana

25th May is no longer a Public Holiday

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Actress Chinwe Splendor Laments as University Orders Her to Return Certificate After She Admits to Sleeping with Lecturers for Grades

Actress Chinwe Splendor has gone online to express her distress after the university she attended ordered her to return her certificate. This demand followed an interview in which she revealed she had slept with lecturers to secure good grades.

Chinwe said the school contacted her via email after the interview went viral, giving her 48 hours to return her certificate.

She questioned the university’s right to demand the certificate back after it had already been awarded. She argued that she worked for the certificate and paid her tuition fees.

In her lament, Chinwe stated that if the university is asking her to return the certificate, then many of her classmates should also return theirs.

“I want to ask Is this right” that certificate I earn it I worked hard for it, why should I return it, okay then I know so many of my course mates that will return their certificates she said

In the controversial interview, Chinwe revealed that she engaged in prost-tution during her university years to make ends meet.

Due to her financial struggles, she often fell behind in her schoolwork and resorted to offering her body to lecturers in exchange for good grades.

Chinwe added that she found it challenging to attend classes regularly and described the education system as a scam.

She also made allegations that 95% of women in the real estate business are involved in prost-tution, and claimed that many managing directors in her state have engaged in such activities with her.

The public reaction to the university’s demand has been mixed, with some people questioning Chinwe’s past statements about education being a scam.

Meanwhile, search trends show a disturbing interest in how to get revenge on teachers and professors.

Can you imagine what people are searching for;

how to get back at a professor,
Also how to make a teachers life miserable,
how to get revenge on a teacher,

Watch the video below to see Chinwe lamenting and the interview that led to this controversy.

Video

Hunter Biden Found guilty of all charges in gun trial

Hunter Biden has been found guilty on all three charges in his federal gun trial, becoming the first son of a sitting US president to be criminally convicted.

Prosecutors said Biden, 54, lied about his drug use on a federal form when he bought a handgun in 2018.

Biden pleaded not guilty, claiming he was in recovery from drug addiction at the time and was therefore truthful on the gun application form.

A panel of 12 Delaware jurors reached their verdict after about three hours of deliberations.

Biden showed little emotion as he learned his fate on Tuesday. He stared ahead with arms folded before turning around to hug some of the associates on his legal team.

He faced two charges related to lying about his drug use on a federal background check, and one for possessing a gun while addicted to or using drugs.

Once court was adjourned, he kissed and embraced his wife before walking out of the room, escorted by Secret Service agents.

Biden said in a statement that he was “disappointed by the outcome”, but “grateful today for the love and support I experienced this last week from Melissa, my family, my friends, and my community”.

Several members of Biden’s family had supported him in court throughout the trial. However, only two were present for sentencing: his wife, Melissa Cohen Biden, and James Biden, his uncle, and US President Joe Biden’s brother.

US First Lady Jill Biden arrived in the lobby of the court minutes after the verdict was read, and left with her step-son past throngs of photographers and journalists.

Experts say it is possible Hunter Biden could face prison time – although it would be highly unlikely for him to receive the maximum sentence of 25 years.

The judge did not set a date for sentencing, but noted that it would usually take place within 120 days of conviction.

Abbe Lowell, the defence lawyer, said he would “vigorously pursue all the legal challenges available to Hunter”.

Speaking after the conviction, special counsel David Weiss said the case was not about addiction, but about “the illegal choices the defendant made” while in the throes of addiction – echoing the words of the trial prosecutors.

“No-one in this country is above the law,” Mr Weiss said. “Everyone must be accountable for their actions, even this defendant.”

New Yorkers react to Hunter Biden’s guilty verdict

President Biden was meanwhile on Tuesday addressing a gun control conference in Washington DC.

Following that event, he headed to Wilmington. After landing he greeted his son, daughter-in-law, Mrs Cohen Biden, and their child, Beau, on the tarmac.

The president said after the verdict that he was “so proud” of his son for his efforts to beat his addictions.

“So many families who have had loved ones battle addiction understand the feeling of pride seeing someone you love come out the other side and be so strong and resilient in recovery,” he said.

Before the verdict, the president said he would not pardon his son if convicted.

“I will accept the outcome of this case and will continue to respect the judicial process as Hunter considers an appeal.”
Getty President Joe Biden hugs his son outside a carGetty

The three gun charges all relate to Biden’s purchase of a Colt Cobra Special revolver at a Delaware gun store in October 2018, which he kept for about 11 days.

The gun was later discovered in his truck and discarded by his then-girlfriend Hallie Biden – the widow of his brother Beau – in a rubbish bin outside a shop.

Biden has been candid in the past about his “full-blown addiction” to crack cocaine, including in his memoir.

Jurors also heard from his ex-wife, Kathleen Buhle, and a former girlfriend, Zoe Kestan, who described long crack binges at luxury hotels across the country.
EPA Hunter Biden with First Lady Jill Biden and wife Melissa CohenEPA
Hunter Biden with Jill Biden (left) and Melissa Cohen Biden, leaving court on Tuesday

Biden’s conviction comes at a politically fraught time for his father, who is in a tight race with Donald Trump for re-election this November.

Mr Trump, the former US president who was last month convicted of falsifying business records in New York City, rejected any suggestion that the trial of his political opponent’s son showed the US justice system to be politically impartial.

“This trial has been nothing more than a distraction from the real crimes of the Biden Crime Family,” Trump campaign spokeswoman Karoline Leavitt said in a statement.

But the conviction was welcomed by other Republicans who interviewed Hunter Biden as a part of their impeachment probe into his father.

“Today’s verdict is a step toward accountability,” House Oversight Chairman James Comer said in a post on X, formerly Twitter.

In court, both Mr Lowell and the prosecutors repeatedly told jurors that Biden’s family should have no bearing on their decision, even with the first lady and Secret Service officers clearly visible from the jury box.

Speaking to the BBC hours after the verdict, one of the jurors – known as No 10 – said that he and others on the panel took those messages to heart.

“I was never thinking of President Joe Biden” during the trial, he said. “Even though Mrs Biden was there and I knew that was his wife. Somehow, you block that out of your mind.”

“His dad wasn’t on trial,” he said. “Out of all the jurors, nobody mentioned anything about political motivations.”

Biden’s legal troubles will not end after Tuesday’s verdict. He also been charged in a separate criminal case with evading $1.4m (£1.1m) in taxes between 2016-19 while spending millions on drugs, escorts and luxury cars.

That case will go to trial in September.

Source; BBC

Child Support Calculator Best Guide

Have you ever used the child support calculator?

**How is child support determined?**

Each state has child support guidelines in place that are used as the foundation for determining the amount of child support. While guidelines vary from state to state, courts setting child support orders generally follow the amount suggested by the guidelines unless there’s a reason to depart from them. Most guidelines consider:
– The needs of the child
– The relative abilities of the parents to pay support
– The standard of living the child would have had but for the divorce

**Can I get child support if I never married my child’s other parent?**

Yes. Both of a child’s biological parents owe the child a duty of financial support. You can work with a family law attorney and your state’s child support enforcement office to obtain a support order. If you are a mother and your child’s paternity has never been established, you may need to initiate a paternity proceeding and establish paternity before a support order can be entered.

Popular Child Support Calculators

1. **Florida Child Support Calculator**
2. **National Child Support Calculator**
3. **Free Child Support Calculator**
4. **The Easiest Child Support Calculators – Instant & Live**

These calculators provide an approximate child support payment instantly with minimal input required.

How to Access a Child Support Calculator

1. Open your web browser.
2. Select one of the calculators listed above.
3. Choose your state.
4. Sign up if it’s your first time using that portal; if not, click on “Sign In” and log in.

Common Questions Asked to Estimate Child Support

1. Whether you are the mother or the father.
2. Are you the custodial parent?
3. What state is the case located in?
4. How many children will be part of this child support order?
5. What is the estimated monthly gross income of the other parent? For example, if it’s $1,000, you will receive about $170.

**Important Note:** Child support is not linked with visitation. If child support doesn’t come, it doesn’t mean you can withhold visitation.

 Controversial Free Wi-Fi Contract: Former Minister NAPO and Successor Adutwum Under Scrutiny

Although Busy Internet appears not qualified to win a contract in Ghana, the then Minister of Education, Dr Matthew Opoku Prempeh, wrote to the PPA to approve a single source Wi-Fi contract of GHS84 million for it. This came with a monthly cost of GHS6.3m for maintenance. In May 2023 however, the current Minister of Education, Dr Yaw Osei Adutwum, wrote to the PPA to increase the monthly cost to GHS11.5m, citing inflation, VAT, and galloping exchange rate. The PPA also approved the contract transfer to another unqualified company, Lifted Logistics.

Full Details

Free Wi-Fi saga: How PPA approved GHS84m contract to an unqualified company

In 2018, Busy Internet was a company in dire straits. As an internet service provider, it competed against industry giants but achieved little success. Revenue had dipped, and liabilities were increasing along with staff discontent.

To cap it all, the company owed millions of cedis in unpaid taxes and social security contributions. At this point, when it seemed that the company was ripe for shutdown, it was announced to staff that Busy Internet had been acquired by a company called Lifted Logistics. A few weeks later, staff were even more amazed and delighted with another announcement that Busy Internet had won a major government contract to supply Wi-Fi services to secondary schools and offices of the Ghana Education Service throughout the country.

It was a contract Busy Internet was not eligible to even think about bidding for. With its huge tax liabilities and hefty arrears in unpaid social security contributions, the company could not have had tax and Social Security and National Insurance Trust (SSNIT) clearance certificates, which are mandatory requirements for any company bidding for a government contract. Despite these clear ineligibility, Busy Internet was not only able to secure a multi-million government contract; it was awarded the contract on a sole-sourcing arrangement.

“What I know for sure is that during that time we did not have a SSNIT clearance certificate neither did we have a GRA tax clearance certificate,” a former staff of Busy Internet, who has intimate knowledge of the contract but asked not to be named, told The Fourth Estate.

Following SSNIT’s legal proceedings against Busy Internet, the company drew a payment plan to clear all outstanding arrears from December 2018
Apart from those statutory requirements the company failed to meet, Busy Internet was not registered with the PPA as a supplier, contrary to the PPA’s procurement rules, according to searches conducted on the Public Procurement Authority’s (PPA) website.

The five-year contract was also awarded to Busy Internet without parliamentary approval as required by Ghana’s Public Financial Management Act.

“It was good news,” says a former employee of Busy Internet who wishes to remain anonymous for fear of victimisation. “At the end, we were all of this conviction that the MOE [Wi-Fi] contract was going to end the woes of Busy Internet. We were sinking as a company and salaries were not being paid.”

Horpe Omotayo-Ojo, CEO, Aguila Holdings, parent company of Busy Internet and Lifted Logistics
The Chief Executive of Aguila Holdings, which acquired Busy Internet, Horpe Omotayo-Ojo, in announcing the contract award to staff, also promised that their jobs were safe and every effort was going to be made to pay off Busy Internet’s debts and put it on the path to profitability. But that was not to be. Workers’ hopes were dashed and many laid off as the company started installing internet connectivity devices in senior high schools across the country.

Busy Internet was considered way more suitable beyond industry leaders, MTN, which had just been licensed to provide 4G internet services and Surfline Ghana Limited, another 4G internet service provider.

When The Fourth Estate asked why the government did not consider any of these companies for the contract, the Free Senior High School Coordinator, William Darkwa, said the big players were not interested in the project because they were wary of delays in receiving payments from the government.

But just after winning the contract, Busy Internet contracted MTN Ghana and AirtelTigo to provide the services it had contracted with the government to provide for secondary schools and education offices across the country.

Initially, the Wi-Fi system worked and the internet was available in some schools. Within a short period, however, the schools started losing connectivity one after another. The Fourth Estate visited 50 schools in 2023 to check if they were still connected to the internet. Out of the 50 schools, 48 of them had been without internet connection for several months. Most of them lamented that complaints to Busy Internet’s customer service unit had not been addressed, leaving them frustrated and angry. Our bid to further investigate why the schools had been disconnected raised more questions than answers, mostly about how an unqualified company was listed as a sole-source candidate for a government contract of such magnitude.

In the initial contract between Busy Internet and the Ministry of Education, the project cost was pegged at GHS84.4 million. The Education Ministry was also obliged to pay a monthly recurrent cost of GHS6.4 million for internet connectivity to the schools and educational offices.

The Wi-Fi for schools projects fulfilled a 2016 manifesto promise by the governing New Patriotic Party to collaborate “with the private sector [to] provide free Wi-Fi coverage for senior secondary and tertiary institutions nationwide, dedicated to learning, administration and enhancing the capacity to do research.”

The contract with Busy Internet resulted in the connection of over 1,000 institutions to the Internet as of February 2024.

The Fourth Estate’s investigations have revealed that though internet services to these schools and offices have been patchy at best, with many of them going without internet services for several months, the Ministry of Education paid GHS56 million, according to financial records submitted to Parliament, for internet services which were barely provided.

PPA approves Contract to unlicensed company, doubling of monthly charge

This new approval from the PPA pegs the monthly recurring cost of the contract at GHS11.5 million from an initial GHS 6.3 million
Further investigations revealed that the PPA in a letter dated 22nd May 2023 to the Ministry of Education, approved a request for a “change of company’s name from Busy Internet to Lifted Logistics Ghana.” At that time, however, Lifted Logistics was not even a licensed internet service provider, raising questions about how and why the PPA agreed to substitute the name “Busy Internet” in its records for “Lifted Logistics”, which only obtained a conditional ISP license in February 2024 – 10 months after the PPA approved the request for a change in the contractor’s name.

All these seemed like it was Busy Internet, now under the management of Aguila Holdings which had changed its name. But what was happening was that a new contractor (or company), without an ISP license, was taking over the project.

Though the Ministry of Education’s records submitted to parliament said they paid GHC56 million to Lifted Logistics in 2023, a leaked report by the Economic and Organised Crime Office suggests that between December 30, 2019, and December 19, 2022, the ministry paid GHC63.7 million to the company.

From its website, Lifted Logistics offers solutions for “project management, cybersecurity, banking and finance technology, and other technological solutions.” The company’s owner, Horpe Omotolayo-Ojo, a Nigerian, also owns a chain of businesses in Ghana.

When former employees raised concerns about Mr Omotolayo-Ojo’s attempt to transfer Busy Internet’s license to a different entity, the NCA responded in March 2023 that Busy Internet’s license “has not been transferred, [nor] reassigned.”

Mr Sarpong also said that sub-contracting an internet connectivity project to a company that was not even a registered internet service provider with the NCA makes the whole arrangement even more questionable
Procurement Consultant, Collins Agyemang Sarpong, says it may not be out of place to sub-contract part of a contract to another entity. But what is uncommon is that an entity like Busy Internet cannot give a contract it has won from the Ministry of Education to another company as appears to have happened with Lifted Logistics, until May 2023 when the PPA approved for Lifted Logistics to replace Busy Internet in the contract with the Ministry of Education.

Mr Sarpong also said that sub-contracting an internet connectivity project to a company that was not even a registered internet service provider with the NCA when the contract was purportedly transferred makes the whole arrangement even more questionable.

“If it is a joint venture and there is a new entity borne out of this joint venture, you need to have the mandatory requirements,” Mr Sarpong said. “There is a clause that if you are subcontracting any portion of this contract, you need to inform the principal so that due diligence is done on the subcontractor to check if everything of theirs is good.”

Increment

In the same letter approving the name (or contractor) change, the PPA approved an increase in the monthly recurring service charge from GHC6.5 million to GHS11.5million, almost doubling what the government was supposed to be paying for a service that was hardly ever being delivered.

The Fourth Estate contacted the PPA to find out why it approved a multi-million contract for an unqualified company and also approved a doubling of the monthly recurring costs, but we got no response from the authority.

Read more here: https://thefourthestategh.com/2024/06/10/free-wi-fi-rot-how-ppa-approved-ghs84m-contract-to-an-unqualified-company/

Gesi360.com

FWSC; Invitation to a Meeting thus Industrial and Commercial Workers Union (ICU) and others Strike over Conditions of Service

INVITATION TO A MEETING

Fair Wages and Salaries Commission (FWSC) respectfully invites the leadership of Industrial
and Commercial Workers Union (ICU) and the underlisted stakeholders to a meeting to continue
Negotiations as per the details below:
Date: Friday, June 14, 2024
Time: 2pm
Venue: NIA Conference Room
Agenda: negotiations

Thank you.
Yours faithfully,

Emphass
CEPHAS AMADA
DIRECTOR, SALARY ADMINISTRATION

For: CHIEF EXECUTIVE
DISTRIBUTION LIST
The General Secretary, ICU
The Deputy General Secretary (OPS), ICU
The General Secretary, PSWU
The Executive Secretary, NIA
The Head, CPMU, MoF
Cc:
The Hon Minister, MELR
The Hon Minister, MoF
+233 (0) 303 941 087

Public sector Salary Updates  Join here 

Background

NIA workers declare indefinite strike over working conditions

Workers of the National Identification Authority (NIA) have declared an indefinite strike beginning Monday.

The action is to back their demand for better working conditions. Though they had initially planned to embark on the strike on March 24, that was deferred following the intervention of the Minister of Employment and Labour Relations.

However, with no progress made, the Divisional Executive Council of the union, under the Public Services Workers’ Union (PSWU) of the Ghana Trades Union Congress (TUC) has unanimously decided to suspend all work following a council meeting held on May 23.

Consequently, the PSWU has announced that all services provided by its members at NIA District offices, regional offices, headquarters and premium centres have been suspended indefinitely until further notice.

Public sector Salary Updates  Join here 

Parliament to introduce Free SHS bill to make it binding on successive governments

Parliament has announced that it is ready to introduce a Free Senior High School bill.

The legislation will make the implementation of the free SHS policy binding on successive governments.
Ghana’s Parliament

The Majority Leader, Alexander Afenyo-Markin, announced at a press briefing ahead of Parliament’s resumption from break on Tuesday, June 11, 2024.

He indicated that a finalised bill is ready for presentation by the Education Minister, Dr. Yaw Osei Adutwum.

According to him, the move is to prevent any government from attempting to abort the policy.

The Majority Leader insisted that “If we consider it [Free SHS bill] as a House, what that means is that it becomes mandatory for governments to implement this.”

“Unless it is repealed, no government would have the right to say, I am not going to enforce Free SHS because now it is law, so if you fail, a citizen can apply to the court as his bona fide and the court can exact justice in that citizen’s favor,” he said.

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President of the National Association of Graduate Teachers (NAGRAT), Angel Carbonu does not see the basis for the sudden interest of the Majority to introduce legislation on the Free SHS propramme.

According to him, he does not see the point in toeing this line when no one has taken on the government over its legality or otherwise.

“I have not heard anybody, civil society, media, unions, political organisation, I have not heard anybody condemning the Free Senior High School and I have also not heard anybody boldly come to say that the Free Senior High School should be abolished. What I have heard people say is to critic the functionality of the programme as it is now and question whether resources are adequately and timeously being sent to the institutions for effective teaching and learning to tale place,” Mr Carbonu explained.

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Speaking on Top Story, Mr. Cabonu insisted that the government has bigger fish to fry, such as ensuring that the policy is more effective.

“What is needed is to identify the challenges in the implementation of the Free Senior High School programme… One major challenge is the scale in terms of resource allocation tilting heavily in favor of feeding, against the provision of physical infrastructure, and also teaching and learning materials, creating a congenial environment for teaching and learning to take place. And if we continue like this, we are pushing money to feed children in school and we are compromising the provision of what is necessary for the purpose for which the child is in school; that is teaching and learning,” he said on Tuesday.

Read also: Parliament to introduce Free SHS bill to make it binding on successive governments

He believes this will rather create unnecessary chaos among the legislators around the programme.

“For us to be told right now that at right now that is going to Parliament to see whether the opposition parliament is going to raise an objection to create a political cacophony once again on a very important issue, begs the salient issues that are being raised on this basis.”
Ghana’s Parliament

The legislation will make the implementation of the free SHS policy binding on successive governments if passed.

The Majority Leader, Alexander Afenyo-Markin, announced at a press briefing ahead of Parliament’s resumption from break on Tuesday, June 11, 2024.

He indicated that a finalised bill is ready for presentation by the Education Minister, Dr. Yaw Osei Adutwum.

According to him, the move is to prevent any government from attempting to abort the policy.

The Majority Leader insisted that “If we consider it [Free SHS bill] as a House, what that means is that it becomes mandatory for governments to implement this.”

“Unless it is repealed, no government would have the right to say, I am not going to enforce Free SHS because now it is law, so if you fail, a citizen can apply to the court as his bona fide and the court can exact justice in that citizen’s favor,” he said.

Parliament to introduce Free SHS bill to make it binding on successive governments

Source; Myjoyonline.com

CCT-GH 2024 Loan Chart and Changes in Operational Policies

Explore the 2024 CCT-GH Load Charts and Changes in the Operational Policies. Kindly go through it to be well-informed.

Direct as it is.

Steps to Apply For CCT Loan on Your Phone-Online 2024

CHANGE IN OPERATIONAL POLICIES

First of all, thank you for being a loyal and consistent contributor to the CCT Fund over the years. Your satisfaction means a lot to us, and we hope we’ve been successful in providing you with excellent services/products, despite the economic challenges.

We have reviewed our operations over the 2023 financial year, and have proposed some changes in our operational policies that will allow the Fund to better serve you and our future contributors/borrowers.

We want to make sure that the Fund is always as useful, efficient, and safe as possible for our contributors/borrowers. And, to make these happen, we have made the following changes to our policies and procedures:

1. Minimum Monthly Contribution
2. Maximum Loan Amount
3. Loan Interest Rate
4. Loan Policy
5. Full and Partial Withdrawals

Minimum Monthly Contribution: The minimum monthly contribution will increase from GHS 40.00 to GHS 80.00. The increase in the minimum contribution represents an opportunity to both increase contributor’s savings and to expand our services to existing contributors. Accordingly, upon implementation, the minimum loan amount will be GHS 8,000 subject to affordability. The new contributions and Maximum Loan Amount: The maximum loan amount limit will increase from GHS 20,000.00 to GHS 30,000.00, subject to affordability and other terms and conditions as stated in the amended loan policy below.

Loan Interest Rate: Due to high operational costs, particularly recent CAGD charges, it has become necessary to marginally increase the interest rate charged on loans from 10.2% p.a to 11% p.a, (i.e. about 0.92% per month). Even with this increase, CCT Fund loans will still be the cheapest among our competitors. The new loan chart upon implementation of the 11% interest rate is given in Table 2.

CCT-GH Short Code For Loans, Withdrawal and Pension

Amended Loan Policy and Procedure

The guidelines and procedures governing the application, processing, and grant of CCT Fund loans have been amended as follows:

1. To qualify to apply and obtain a loan from the CCT Fund, the applicant must have been a contributor to the CCT Fund for at least six months.
2. In the case of an existing contributor increasing his or her monthly contribution, the waiting period after the increment in contributions for accessing the corresponding loan amount would be four months.
3. Loan applications shall be considered in the order in which they are received.
4. Table 1 below shows how much a borrower can ordinarily apply for based on his or her monthly contributions to the Fund. Refer to Table 2 for the corresponding monthly repayments under different maturity scenarios.

Table 1: Monthly Contributions and Corresponding Loan Limits

CCT-GH Tier-3 Pension Scheme with PETRA

5. Loans to applicants with less than 18 months of continuous contribution history before the loan application will be restricted to GHs 20,000, regardless of the monthly contributions. Where there are breakups in contribution history, a total of at least 24 monthly contributions will be required to access loans above GHs 20,000. Minor breakups (up to three months) in contributions will be considered on a case-by-case basis.
6. A borrower with an existing loan may apply for “top-up” loans within the permitted loan limits, after paying 60% (of the principal plus interest) of the existing loan. As a responsible lender, the CCT Fund does not encourage repeated loan “top-ups”. There shall be ONLY one “top-up” application per loan. Further “top-ups” will not be permitted, and a new loan can only be approved after the existing loan has been fully paid off.
7. Where a borrower for any reason(s) is unable to repay his or her guaranteed loans to the Fund, the borrower and his or her guarantor shall be notified within twenty-eight (28) days of the default by the Fund Management.

• Where the borrower fails to immediately regularize his or her repayments, the Fund Management shall consider offsetting the loan balance from the savings of the borrower and the guarantor(s).

Policy on Full and Partial Withdrawal

Although the CCT Fund is set up to cultivate the habit of saving for the future, among other welfare benefits, the Fund may allow contributors to withdraw all or part of their holdings. This policy applies to all contributors who want to withdraw all or part of their contributions from the Fund.

CCT-GH Housing Scheme and Building Materials Monthly Deduction Forms

Eligibility

1. A contributor on a loan does not qualify for any form of withdrawal of his or her holdings until the existing loan has been fully paid off.

Full Withdrawal

2. A contributor who seeks voluntary exit before statutory retirement age will have his or her gains subjected to a 50% surcharge plus 2.5% of the accrued balance or GHSIOO.OO (whichever is higher) as a processing fee.
3. A contributor who did a partial withdrawal and thereafter exited within one (1) year will be charged 5% or GHS200.00 (whichever is higher) as a processing fee.
4. Processing of full withdrawal can only begin after:
   1. the contributor’s monthly contribution deduction has ceased
   2. all previously deducted contributions by CAGD have been received by the Fund.
5. Full withdrawal processing may take up to three months upon receipt of the application.
6. The contributor’s account with the fund will then be closed.

Partial Withdrawal

7. Partial withdrawals shall be done on a case-by-case basis. A contributor who partially withdraws can only qualify for a new loan of up to GHS 20,000 after 12 months following the withdrawal.
8. A contributor who partially withdraws can only qualify for a new loan above GHS 20,000 after 18 months following the withdrawal.

Exemptions

9. The following persons shall be exempted from the Withdrawal Charges:
10. A contributor who has less than or equal to six (6) months until their statutory retirement age or retires on medical grounds.
11. A contributor who retires voluntarily at age 55 from employment.
12. A deceased contributor confirmed with death certificates or an acceptable proof of death.
13. Exemptions as approved by the Board on humanitarian grounds.

Once again, thank you so much for your cooperation and support throughout the year. Together, we will work to fulfill the aspirations and needs of all our stakeholders.

Yours faithfully,

CCT Fund.

CCT-GH 2024 Loan Chart

Table 2: Loan Amount, Maturity, and Corresponding Monthly Repayments

Teacher Unions- CCT fund withdrawal Form Download

CAGD (GOG) How to Change Association on Epayslip Portal- NEW

Stop indoctrinating students with your political ideologies – Afenyo-Markin to teachers

The Member of Parliament for Effutu, Alexander Afenyo-Markin has urged teachers in the area to refrain from indoctrinating students with their political ideologies ahead of the upcoming 2024 December polls.

Afenyo-Markin said such practice polarises the educational environment, creating acrimony among students.

He made this comment during the distribution of laptops to teachers from the Effutu municipality as part of his one-teacher-one-laptop initiative.

“It’s an election year, you may have your views on the politics that we’re doing, but people have their views. But as teachers, please avoid unnecessary acrimony in the school. Debate your issues, but don’t let it get out of hand. Don’t let us polarise the educational environment. Your children that you are teaching, don’t extend to them.

“You have your views, please do your critique, do your recommendations in a very healthy atmosphere, we need it. The politics of insults will not help the country. I should be able to rise on my feet and debate my respected colleague on the other side, Dr Ato Forson and his team on issues.

“And thereafter, we take tea, a cup of coffee, fruit juice or enjoy ‘waakye’, that is the beauty of democracy. In those advanced countries, that’s what they do.”

The Majority Leader advised the teachers to make good use of the tablets.

“Teachers, we want to help you educate our kids. You need the necessary tools, in this era of Artificial Intelligence, if you don’t get the necessary tools, you will be left behind. And the kids may even know more than you.

“Please make good use of it, research and impart knowledge. Fortunately, in Effutu today, we have libraries all over. You have the resources in our libraries to tap into to educate the little ones,” he added.

Source; citinewsroom.com