Partner description: 

JWS Pakistan is a non-profit, non-political, non-sectarian social development organization formed in 1990. JWS’s mission is to uplift the status of marginalized communities through an integrated approach that helps sustain businesses and improve living standards. Poverty is widespread in Pakistan, where 58.7 million people earn less than $1.25 per day. JWS’s mandate is to eradicate poverty in the communities that it works in, by working with women, minorities, farmers and financially excluded populations.

JWS’s microfinance program aims to increase the income of impoverished rural communities through 4 main products:

  1. Group based microcredit loans
  2. Individual enterprise development loans
  3. Agricultural financing to smallholder farmers
  4. Small and medium enterprise loans

​In its 26 years of operation, JWS has provided over 100,000 loans to low income groups through its network of 24 branches. JWS launched branchless banking in September 2011 to reduce transaction costs and service delivery times, reducing the time it takes for clients to receive and repay their loans.

In addition to loan products, JWS also provides low-cost health insurance and loan insurance to its borrowers. Micro-health insurance covers all medically necessary inpatient treatment and services for its borrowers. JWS’s loan insurance ensures that a member’s family is not burdened with the loan in case of their death.

JWS also provides different non-financial services in the communities it works in. These include:

  1. Jinnah ambulance service
  2. Health camps
  3. Medical camps and food distribution in flood affected areas
  4. Livestock vaccination campaigns

Why Kiva works with JWS:

Kiva shares JWS’s vision of serving financially excluded women, minorities and farmers by providing them with access to finance to start and grow their income generating activities. JWS also provides many non-financial services to its clients and the communities that it works in. Kiva funding will enable JWS to expand its work in enabling marginalized communities in Pakistan to access finance and make their lives better. 

Note: JWS Pakistan was incorporated as a non-profit public company in January 2016. Previously, JWS Pakistan was operating as Jinnah Welfare Society, a voluntary non-profit society. 


Repayment Performance on Kiva

    This Field Partner All Kiva Partners
  Start Date On Kiva Jul 9, 2015 Oct 12, 2005
Total Loans $187,325 $865,925,875
Amount of raised Inactive loans $0 $454,625
Number of raised Inactive loans 0 322
Amount of Paying Back Loans $173,950 $137,945,875
Number of Paying Back Loans 572 167,793
Amount of Ended Loans $13,375 $727,525,375
Number of Ended Loans 5 903,640
Delinquency Rate 0.00% 8.05%
Amount in Arrears $0 $7,250,265
Outstanding Portfolio $145,823 $90,059,903
Number of Loans Delinquent 0 21,641
Default Rate 0.00% 1.32%
Amount of Ended Loans Defaulted $0 $9,619,060
Amount of Ended Loans $13,375 $727,525,375
Number of Ended Loans Defaulted 0 26,678
Currency Exchange Loss Rate 0.00% 0.43%
Amount of Currency Exchange Loss $0 $3,748,624
Refund Rate 1.57% 0.65%
Amount of Refunded Loans $2,950 $5,634,100
Number of Refunded Loans 1 5,820

Loan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans to Women Borrowers 89.14% 74.87%
Average Loan Size $323 $408
Average Individual Loan Size $304 $640
Average Group Loan Size $2,721 $1,806
Average number of borrowers per group 2.8 7.8
Average GDP per capita (PPP) in local country $4,700 $5,937
Average Loan Size / GDP per capita (PPP) 6.87% 6.86%
Average Time to Fund a Loan 16.81 days 6.9 days
Average Dollars Raised Per Day Per Loan $19.22 $59.02
  Average Loan Term 12.61 months 11.04 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 0 439,775
  Journaling Rate 0.00% 41.48%
  Average Number of Comments Per Journal 0.00 0.05
  Average Number of Recommendations Per Journal 0.00 1.29

Borrowing Cost Comparison (based on 2015 data)

    This Field Partner Median for MFI's in Country All Kiva Partners
  Average Cost to Borrower 42% APR 33.00% PY 27.38% PY
  Profitability (return on assets) 5.6% 1.5% -0.69%
  Average Loan Size (% of per capita income) N/A 16.00% 19.18%

Country Fast Facts

Field Partner Staff

Nauman Azhar
Muhammad Imran Dhillon
Islam Gul
Muhammad Javed
Sohail Nazar