Zari Khud Kafalat Qarza

About JWS Pakistan Zari Khud Kafalat Qarza

01

Product Description

JWS Pakistan “Zari Khud Kafalat Qarza” provides to strengthen the economic base of the low-income farmers, through their increased access to easy and cost-effective financial services, capacity building initiatives and upstream/downstream markets.


02

Eligibility Criteria

• Household annual income less than Rs. 500,000
• Age between 25-60 years
• Holding valid CNIC
• Land cultivation 5-6 acre
• Cultivation experience of minimum of 2 years
• Permanent resident of the local area
• Positive credit worthiness as per “JWS Pakistan” criteria


03

Purpose of Loan

• To purchase input supplies i.e. seeds, fertilizer, pesticides, diesel and herbicides etc for Rice and Wheat crop.




04

Lending Methodology

• Group basis




05

Guarantee

• Social Collateral/ post dated cheques




06

Tenure

• 5-7 months




07

Loan Repayments

• Lump sum bullet installment on crop harvest




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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