| 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 | 14 |
| Total Portfolio (nat'l) | PKR 286,635,495 |
| Total Portfolio (USD) | USD 2,924,851.99 |
| Active clients with loans | 20,861 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 60% - 80% |
| Network affiliations | Pakistan Microfinance Network, Micro Credit Summit Compaign, Banking With the Poor, Punjab Microfinance Network |
| Funders | Pakistan Poverty Alleviation Fund |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Micro Credit (MC) | PKR 15,000 - 30,000 | 12 | 100% | 60% - 80% | Business | Women | Credit Ins, Business Training |
| 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 | 1 Ins | None | N/A | 38.5% | 40.6% | N/A |
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