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JWS PAKISTANNON-BANK MICROFINANCE COMPANY
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About our company

About JWS Pakistan

A non-bank microfinance company in Gujranwala, set up under section 42 of the Companies Act, 2017.

Company profile

The JWS Pakistan (a company set up under section 42 of the Companies Act, 2017) was incorporated on 28 December 2015 as a public company registered under Section 42 of the repealed Companies Ordinance, 1984 (now the Companies Act, 2017). It is limited by guarantee and does not have share capital, vide licence No. 873 issued by the Securities and Exchange Commission of Pakistan (SECP).

The registered office of the Company is located at 65-D Block, Executive Phase, G. Magnolia Park, G.T. Road, Gujranwala. The Company obtained the licence to carry out investment finance services as a non-banking finance company from SECP on 20 October 2016.

SECP renewed the licence vide licence No. SECP/LRD/18/JWSP/2022 on 20 October 2025 to carry out investment finance services as a non-banking finance company for a period of three years. The licence is restricted to micro financing only, as a non-bank microfinance company.

Status of companyA public company registered under Section 42 of the repealed Companies Ordinance, 1984 (now the Companies Act, 2017), limited by guarantee and having no share capital.

Governance

Oversight and advisors

The board that governs JWS Pakistan, the firms that audit and advise it, and the networks it belongs to.

Board of directors

  • Ms. Sabiha ShaheenChairperson
  • Mr. Qazi Shoaib AlamChief Executive Officer
  • Ms. Roheena IqbalIndependent Director
  • Mr. Saqib AbbasIndependent Director
  • Dr. Naveed IqbalIndependent Director
  • Mr. Farrukh IqbalNon-Executive Director
  • Ch. Muhammad ShahidNon-Executive Director
  • Ms. Farzana KousarNon-Executive Director
  • Mr. Qaiser Saleem ChaudharyNon-Executive Director
  • Mr. Muhammad JavedCompany Secretary
Meet the board

Memberships

  • Pakistan Microfinance Network (PMN)
  • Punjab Microfinance Network (PMFN)
  • Social Performance Task Force (SPTF)

National and international recognition

  • PCP
  • PACRA
  • FBR NPO u/s 2(36)

Legal advisors

Azam Chaudhry Law Associates (ACLA)

  • H #5, Street No. 9, Sector F-8/3, Islamabad
  • Telephone: +92 51 2253351, 2253354, 2250657
  • Dr. Muhammad Azam Chaudhry — Senior Partner
  • Barrister Muhammad Qasim Qureshi — Partner
  • Barrister Raham Ali Bukhari — Senior Associate

Tax advisor

Zafarullah & Co. Chartered Accountants

  • 5th Floor, Appt No. 01, Bhutta Center
  • Nigar Chowk, G.T. Road, Gujranwala
  • Telephone: (055) 4294205-06

Shariah advisor

Alhamd Shariah Advisory Services (Pvt) Ltd

Our main objectives

What JWS Pakistan sets out to do

  1. To help the poor, the landless and assetless gain access to resources for productive self-employment; to encourage them to undertake income generation and poverty alleviation; and to enhance their quality of life by providing them micro-credit, vocational training and capacity building.

  2. To provide financing facilities, with or without collateral security, in cash or in kind, on such terms and conditions as may be prescribed, to the poor and assetless for all types of lawful economic activities.

  3. To support the marginalized communities of rural and urban Pakistan through motivation, social mobilization and advocacy on civil society issues such as education, health awareness, women's empowerment and the capacity building of communities and related organizations such as Community Based Organizations (CBOs); for poverty alleviation through economic activities, human rights, the environment and community physical infrastructure, so that communities become self-reliant in water and sanitation hygiene, agriculture, livestock development and small and medium enterprise development.

  4. To provide every type of service required in organizational development: staff training and development, training needs assessment, training material production, development of training tools and methodologies, evaluation and follow-up of training for the staff of the Company, related institutions, development agencies and others affiliated with the Company, to enhance their capacity to provide better and innovative services.

  5. To train women as agents of change for socio-economic development and, generally, to identify, develop and promote opportunities for employment for the poor by channelling resources to provide them with credit, functional education, skills training and other help and assistance as may be necessary.

  6. To awaken, educate, motivate and organize communities for an improved quality of life and living standards.