| 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 | N/A |
| Year established | 2010 |
| Head of Institution | Ma. Lourdes S. Pineda |
| Regions active | |
| # Branches | 2 |
| Total Portfolio (nat'l) | PhP 9,226,611 |
| Total Portfolio (USD) | USD 220,732.32 |
| Active clients with loans | 148 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 80% - 100% |
| Network affiliations | |
| Funders |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Pitaka Microenterprise Loan | PHP 5,000 - 150,000 | 2 - 6 | 60% - 80% | 80% - 100% | Business | Women, Men, Have business | Credit Ins |
| 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 | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Pitaka Microenterprise Loan | 21.0% annual, Flat | 2 Fees | 1 Ins | 0.50% loan amt | 100.00 upfront 10.00% ongoing | 58.8% - 73.1% | 55.4% - 80.2% | 31 |
| 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 | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Pitaka Microenterprise Loan | 21.0% annual, Flat | 2 Fees | 1 Ins Ins | 0.50% loan amt | 100.00 upfront 10.00% ongoing | 58.8% - 73.1% | 55.4% - 80.2% | 31 |
| Key Statistics | |
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| # Samples: | |
| # Products | |
| # Institutions | |
| # Countries | |
| # Borrowers | |
| Loan Portfolio (USD) | |
| % Products using declining balance | |
| % Products with one or more fee | |
| % Products with one or more insurances | |
| % Products with compulsory deposits |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
|---|---|---|---|---|---|---|---|
