| 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 |
| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | http://www.armanindia.com/ |
| Year established | 1992 |
| Head of Institution | Jayendra Patel |
| Regions active | Gujarat |
| # Branches | 24 |
| Total Portfolio (nat'l) | INR 28,042,700,000 |
| Total Portfolio (USD) | USD 529,107,547.20 |
| Active clients with loans | 41,503 |
| Approximate % female clients | 100% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | MFIN, Sa-Dhan |
| 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 | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loan | INR 8,000 - 15,000 | 12 | 100% | 40% - 60% | Business, Housing, Education, Other | Women, Have home or land, Low HH Inc, Med HH Inc, Rural HH, Urban HH | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits |
| 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 | APR (int) | MFIN MFI Earning (Annualised) | MFIN Cost to Borrower (Annualised) | COMPLIANCE WITH RBI GUIDELINES ON INTEREST METHOD | COMPLIANCE WITH RBI GUIDELINES ON PROCESSING FEES | COMPLIANCE WITH RBI GUIDELINES ON INSURANCE PREMIUM | MFIN Transparency Index | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loan | 24.4% - 25.4% | 26.3% - 27.3% | 29.1% - 30.2% | Yes | Info awaited | Info awaited | 99 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loan | 24.5%-26.0% annual, Decl Bal | 1 Fee | 1 Ins | 12.36% fees | N/A | 26.3% - 27.3% | 29.1% - 30.2% | 83 |
| 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 |
| Product Name | APR (int) | MFIN MFI Earning (Annualised) | MFIN Cost to Borrower (Annualised) | COMPLIANCE WITH RBI GUIDELINES ON INTEREST METHOD | COMPLIANCE WITH RBI GUIDELINES ON PROCESSING FEES | COMPLIANCE WITH RBI GUIDELINES ON INSURANCE PREMIUM | MFIN Transparency Index | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loan | 24.4% - 25.4% | 26.3% - 27.3% | 29.1% - 30.2% | Yes | Info awaited | Info awaited | 99 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loan | 24.5%-26.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | 12.36% fees | N/A | 26.3% - 27.3% | 29.1% - 30.2% | 83 |
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