School Sarmaya

About JWS Pakistan School Sarmaya

01

Product Description

JWS Pakistan “School Sarmaya” product designed for private school owners who are involved in providing low cost education to children in urban and rural areas.


02

Eligibility Criteria

• Household annual income less than Rs. 500,000
• Age between 22-60 years
• Holding valid CNIC
• Permanent resident of the local area
• School must be operational minimum last 2 years
• Minimum 70 students enrollment
• Minimum tuition fee PKR. 200/ per month per student
• Positive credit worthiness as per “JWS Pakistan” criteria


03

Purpose of Loan

• To improve school infrastructure/ acquisition of quality enhancing product and services.
• School renovation and purchasing of furniture and fixture and school equipments etc.




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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