Madad Gaar Qarza

About JWS Pakistan Madad Gaar Qarza

01

Product Description

JWS Pakistan “Madad Gaar Qarza” serves the increased credit needs of clients, who want to expand their micro enterprises to increase sale and turnover. Loans are extended for enhancement of income patterns and to create the business activity through purchase of assts, stocks etc to boost the sale/production.


02

Eligibility Criteria

• Household annual income less than Rs. 500,000
• Age between 22-60 years
• Holding valid CNIC
• Business experience of minimum of 2 years
• Permanent resident of the local area
• Positive credit worthiness as per “JWS Pakistan” criteria


03

Purpose of Loan

• Fixed Assets (purchase of machinery/equipment, furniture and fixture, tool & accessories construction/improvement of business premises etc).
• Working capital (purchase of inventories/ inputs and other expenses)




04

Lending Methodology

• Group basis




05

Guarantee

• Social Collateral/ post dated cheques.




06

Tenure

• 12 months




07

Loan Repayments

• Equal Monthly Installments




08

Loan Amount

• Minimum PKR- 50,000
• Maximum PKR-150,000




09

Loan Insurance

• Loan Insurance in Case of Death / Permanent Disability





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