| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | Yes |
| Website address | N/A |
| Year established | 2001 |
| Head of Institution | Mohammed A. Adams |
| Regions active | 0 |
| # Branches | 4 |
| Total Portfolio (nat'l) | GHS 931,520 |
| Total Portfolio (USD) | USD 621,013.33 |
| Active clients with loans | 10,500 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | Association of Non-Governmental Organizations (ASSFIN), Ghana Microfinance Associtations Network (GHAMFIN) |
| Funders | Grameen Foundation, Cordaid, Planet Finance |
| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | No |
| Website address | http://www.jws.org.pk |
| Year established | 1992 |
| Head of Institution | Qazi Shoaib Babar |
| Regions active | Punjab |
| # Branches | 24 |
| Total Portfolio (nat'l) | PKR 666,503,408 |
| Total Portfolio (USD) | USD 6,545,063.47 |
| Active clients with loans | 36,000 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | Pakistan Microfinance Network, Micro Credit Summit Compaign, Banking With the Poor, Punjab Microfinance Network |
| Funders | Pakistan Poverty Alleviation Fund, Kiva |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agriculture Business Loan | GHS 400 - 1,000 | 6 - 12 | 20% - 40% | 0% - 20% | ||||||||||
| Basic Loan | GHS 50 - 500 | 4 - 6 | 80% - 100% | 0% - 20% | ||||||||||
| Grain Banking | GHS 400 - 1,000 | 6 - 12 | 80% - 100% | 0% - 20% | ||||||||||
| Processing Loan | GHS 600 - 1,000 | 6 - 10 | 80% - 100% | 0% - 20% |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Micro Credit (MC) | PKR 20,000 - 50,000 | 12 | 100% | 40% - 60% | Business | Women | Group Mtgs, Credit Ins, Business Training | |||||||
| Agri Value Chain | PKR 50,000 - 100,000 | 6 - 7 | 0% | 0% | Agriculture | Men | Group Mtgs, Credit Ins, Business Training |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agriculture Business Loan | 30.00%-0.00% annual, Flat | 1 Fee | 0 Ins | N/A | 34.4% | 34.4% | 87 | |||||||||
| Basic Loan | 36.00%-0.00% annual, Flat | 1 Fee | 0 Ins | N/A | 68.8% - 84.3% | 68.8% - 84.3% | 48 | |||||||||
| Grain Banking | 30.00%-0.00% annual, Flat | 1 Fee | 0 Ins | N/A | 42.3% | 42.3% | 70 | |||||||||
| Processing Loan | 30.00%-0.00% annual, Flat | 1 Fee | 0 Ins | N/A | 49.8% | 49.8% | 60 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Micro Credit (MC) | 20.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 40.4% - 40.5% | 40.4% - 40.5% | 49 | ||||||||
| Agri Value Chain | 20.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 22.1% | 22.1% | 90 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agriculture Business Loan | 30.00%-0.00% annual, Flat | 1 Fee | 0 Ins Ins | N/A | 34.4% | 34.4% | 87 | |||||||||
| Basic Loan | 36.00%-0.00% annual, Flat | 1 Fee | 0 Ins Ins | N/A | 68.8% - 84.3% | 68.8% - 84.3% | 48 | |||||||||
| Grain Banking | 30.00%-0.00% annual, Flat | 1 Fee | 0 Ins Ins | N/A | 42.3% | 42.3% | 70 | |||||||||
| Processing Loan | 30.00%-0.00% annual, Flat | 1 Fee | 0 Ins Ins | N/A | 49.8% | 49.8% | 60 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Micro Credit (MC) | 20.0% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 40.4% - 40.5% | 40.4% - 40.5% | 49 | ||||||||
| Agri Value Chain | 20.0% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 22.1% | 22.1% | 90 |
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