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Ruqayya Bibi
Garment entrepreneur
“JWS gave me more than a loan. It gave me confidence.”
— Ruqayya Bibi
JWS Pakistan: financial inclusion for women and families across Punjab
Women and financial inclusion
98 out of every 100
clients is a woman.
She was never unbankable. She was only unbanked. JWS Pakistan builds financing around the woman who already runs the household economy.
- Women-centeredEmpowering Women Through Finance
- Community impactServing Underserved Communities
- Wide outreachReaching Communities Across Punjab
Our impact
Impact Woven Through People
Real progress happens when people are trusted with opportunity.
- 250K+Active Clients
- 1.78M+Loans Served
- 98%Women clients
- 200+Branches across Punjab
Our journey
Visionary Leadership Building Resilient Communities
Creating opportunities today that help communities thrive tomorrow.
Financial solutions
Eight Pathways One Purpose
Different needs, different solutions — a common purpose.
Selected pathway
Karobar Finance
Finance for running or growing your own small business.
PKR 30,000 – 150,000
Explore Karobar FinanceEmpowerment through financing
Real Stories Lasting Change
Meet the people building opportunity in their own communities.
Outreach
Closer to Communities Closer to Opportunity
Explore JWS Pakistan's offices, from head office to the branch closest to you.
Extensive NetworkBranches across Punjab
Click an office for its name · zoom with the slider
Evidence library
Evidence Open to Scrutiny
Explore our publications and governance resources that provide insights into our work and community impact.
Evidence library
Annual Reports
Performance, operations and outreach, reported year by year.
Published by JWS Pakistan
Inside this collection
View report libraryOur partners
Stronger Together Greater Impact
Building meaningful partnerships that expand access, strengthen livelihoods and drive sustainable community development.
- National Financial PartnersDomestic Banks and Financial Solutions
- Global Impact PartnersInternational impact investors
- Advisers and External AuditorsAudit · Legal · Tax · Shariah Advisory
- Digital PartnersIdentification · Verification · Digital Transactions
DataCheck
Get in touch
Closer to You Ready to Support You
Connect with JWS Pakistan to explore our services, support and opportunities.
Start a conversation
Head office
65-D Block, Executive Phase,G. Magnolia Park, G.T. Road, Gujranwala+92 55 4284454info@jwspakistan.comComplaints