Our Mandate

Ghana Cooperative Susu Collectors Association (GCSCA) is one of the Apex Associations in the Microfinance sector in Ghana. It regulates, supervises, monitors, develops and promotes the business of all susu collectors in a manner that safeguards the interest of collectors, clients and other stakeholders.

GCSCA is registered under Ghana Co-operative Societies Decree No. 252 of 1968. The Association is owned by members who are expected to raise the share capital for its operations. The regulation, monitoring and supervision functions of GCSCA are duly endorsed by Bank of Ghana (BOG).

It’s Operating Rules and Guidelines for Microfinance Institutions (Notice No. BG/GOV/SEC/2011/04) issued on July 11, 2011 as well as BoG’s letter to GCSCA BSD/MFI/52/2012 dated 13th January 2012 issued under the authority of Section 31 (2) of the Non-Bank Financial Institutions Act, 2008 (Act 774) and Section 4(2) of the Bank of Ghana Act, 2002 (Act 612) . The Notice gives GCSCA the responsibility to supervise individuals and enterprises engaged in susu collection business in Ghana.

Our Vision

The vision of the Ghana Cooperative Susu Collectors Association is to become a vibrant, sustainable and attractive apex association for susu collectors in Ghana promoting financial inclusion.


We exist to regulate, supervise, monitor, develop and promote the business of all regulated susu operators in Ghana in a manner that safeguards the interest of collectors, clients and other stakeholders


The Values of GCSCA

The core values of GCSCA are focused on upholding the GCSCA slogan of a good name is better than riches. The values are:

  • Be trustworthy in all dealings
  • Honour all promises promptly;
  • Strictly adhere to schedules given to members;
  • Adhere to laid down policies;
  • Ensure security of members deposits;
  • Ensure equal treatment for all;
  • Treat members on first come, first served basis;
  • Apply policies evenly.
  • Report any misconduct to appropriate authority
  • Be ready to account for all resources mobilised
  • Use resources mobilised judiciously
  • Be ready to explain issues to members who seek clarification;
  • Render periodic accounts to members
  • Inform members of over-payment or underpayment;
  • Disclose appropriate information to members;
  • Declare interests and dividends at the right time;
  • Publish society financial statement publicly
  • Emphasize synergy in all dealings
  • Apply team approach to problem solving
  • Reward teamwork
  • Manage and resolve conflicts