We are hiring! (as of August 2018) - PowerPoint PPT Presentation

We are hiring! (as of August 2018)

当社の公用語は英語です。 ��ផ�វ�ររបស�œយœងគ���អង�eគ�ស។ ကၽြႏု္ပ္တို႕၏ တရား၀င္ဘာသာစကားသည္ English ျဖစ္ပါသည္။ අෙ �ල භාෂාව ඉං��� ෙ� . हमारी आधिकारिक भाषा अंग्रेजी है । Our official language is English. 2

Corporate Overview Founded 4 July 2014 Founders Taejun Shin, Chief Executive officer Sanjay Gandhi, Chief Investment Officer Tsuyoshi Nagashima, Head of Administration Board Members Taejun Shin & Committee Members Masahiro Kotosaka, Non-Executive Mangyo Kinoshita, Non-Executive Takefumi Uda, Chief Operating Officer of Gojo Stuart Rutherford, Independent Commissioner Capital Raised $31 million (JPY 3.37 billion) Shareholders Dai-ichi Life Insurance, Nippon Venture Capital, Nissay Capital International Christian University, JAFCO, Link & Motivation & 60+ reputable individual shareholders 3

Table of Contents 1. What we do 2. What we have achieved so far 3. What we will do 4. How we work 5. Why Gojo? 6. Wanted! Appendix 4

What We Do 5

About our Guiding Principle Vision The world in which everyone has an opportunity to 
 State of the world overcome one’s own destiny and attain a better life we wish to make Provide financial access for everyone in the world as the � Mission 
 Private Sector World Bank. to achieve � the vision (details in page 7) Leverage management excellence and creative thinking to � Long-term goal 
 Guiding provide quality and low-price financial service for 100+ � after the mission Principle completion million people in 50+ countries by 2030. (details in page 8) Value 
 9 values which work as a principle for our behaviors for our behaviors � (details in page 9) to reach the goal Principles in doing our job, made of (1) Consistency, � Management (2) Truth, (3) Ethics and (4) Aesthetics � Principle 
 to guide our job (details in page 9) 6

How provision of financial access relates to our vision? Factors of equality of opportunity (= our vision) What the factors bring Access to Someone’s Love Reason to exist in the world To have someone who really cares Will to make efforts and loves you Ability to make friends Information Access Know where you are To have basic education Realize how things should be To know information about the world Understand future options We’re here Make a ramp sum Financial Access Start something new To save money, borrow money, Prepare for emergency enter insurance, remit money, etc. 7

We find great team, invest and work to provide quality and low-price financial service for 100+ million people in 50+ countries 1. Find the world’s greatest 2. Raise fund and inject capital 3. Develop/provide quality people who can build great to the financial institutions to financial service with the organizations with us accelerate the growth group companies 8

To stick to Values and Principles are the key to achieve the goal Value ■ Never be complacent - study and introduce the latest best practice in the world ■ Do it now until the completion rather than talking and procrastinating ■ Propose alternatives when criticizing’ opinions ■ We don’t make any cunning manoeuvre – we do things fair and square ■ Apologize when you screwed up ■ Never forget gratitude for those who helped us out in di ffi cult days ■ Enjoy work and never forget the sense of humour and smile ■ Make the team with unique and unforgettable people ■ When in doubt, choose the option which helps the weak and the poor Management Principle 1. Consistency Make what ■ We will never compromise on the Guiding Principle for the sake of sentiment or ad-hocery we believe, what we speak ■ We always talk to the stakeholders about the Guiding Principle and continuously expand those who love it and what we do consistent ■ Hide nothing, make the decision making process transparent and thus make ourselves genuine people 2. Truth Think and behave ■ Despite all the di ffi culties, we try our best to abide by the conclusion obtained by logical thinking, i.e., � rightly (1) define goal and conditions, (2) develop thought frameworks, (3) collect facts and (4) think meticulously logically ■ When thinking, we rely on the Guiding Principle, facts and logic only, excluding prejudice or emotions ■ We avoid pretending as if we are more than who we are and improve ourselves to be genuine people 3. Ethics We do not do ■ We make profit not by exploiting clients but by working to make the clients appreciate us business with which we ■ We work with every group employee as an equal team member aiming the same goal cannot face our clients, ■ We do not sacrifice our individual and family life for the sake of the work family and friends 4. Aesthetics Pursue the ■ We will never compromise to make the best process and outputs best quality, the best speed ■ We do things timely – never procrastinate even mentally burdensome things and the best simplicity ■ While we prepare all the necessary information, we convey it with minimum ink, byte and time 9

Where the name “Gojo” came from? Gojo is Japanese pronunciation of “ 五常 ”, which means five constant virtues of Confucianism, namely: § Benevolence ( 仁 ) – Help others § Righteousness ( 義 | 义 ) – Do the right thing § Propriety ( 禮 | 礼 ) – Behave rightly § Wisdom ( 智 ) – Judge what is wrong and right § Fidelity ( 信 ) – Build trust Ninomiya Sontoku (“ 二宮 尊徳 ”, 1787 –1856), who was a prominent Japanese self-made agricultural leader, founded a credit cooperative named Gojo-Co. He combined his diligence and financial service to develop rural communities of the country, and Gojo-Co turned out to be a big success. We believe that the five virtues should work as the core principle in financial service, and thus borrowed the name. We wish make an organization where people get together under the principle, not an individual, and that’s why the corporate name is “Gojo & Company”. 10

What we have achieved so far 11

What we have done (1): 6 group companies altogether now Founded Invested Clients No. Asset Gojo 61.6% Maxima Microfinance 2000 2014 6,000+ $18 mil (Japan) (Cambodia) 97.5% Sejaya MicroCredit 2015 2015 22,000+ $4 mil (Sri Lanka) 92.3% Microfinance Delta Int’l 2015 2015 45,000+ $7 mil (Myanmar) MFI: 44 Ananya Finance 55.8% 2009 2018 $29 mil Agri Corp: 36 (India) Satya MicroCapital 25.4% 2016 2018 100,000+ $50 mil (India) 12

What we have done (2): The company has grown rapidly No. of customers of group companies since the establishment (in 000s) 180.0 Invested in Satya +160% / Year Invested in Ananya Established & Founded Founded 72.9 Invested in Sejaya Microfinance 65.2 Maxima Delta Int’l 52.9 3.2 3.6 4.0 4.5 7.6 12.6 19.5 22.4 27.9 32.3 37.2 40.6 44.9 3Q14 4Q14 1Q15 2Q15 3Q15 4Q15 1Q16 2Q16 3Q16 4Q16 1Q17 2Q17 3Q17 4Q17 1Q18 2Q18 3Q18* 13

What we have done (3): Group employees reached 1,000 Composition of group employees 1,000+ Total Employees / 570 Loan O ffi cers Gojo (JP) ------------------------- 12 Staff (1.2%) 91 Non-LO 63 Loan Officers Maxima (KH) ------------------ 154 Staff (15.2%) (9.0%) (6.2%) 62 Non-LO 42 Loan Officers Sejaya (LK)----------------------104 Staff (10.3%) (6.1%) (4.1%) 116 Non-LO 146 Loan Officers Microfinance Delta (MM) ----- 262 Staff (25.9%) (11.5%) (14.4%) Ananya (IN) ----------------------- 21 Staff (2.1%) 141 Non-LO 319 Loan Officers Satya (IN) ---------------------- 460 Staff (45.4%) (13.9%) (31.5%) 14

What we have done (4): Already better KPIs than the others Figures as of Dec. 2017 Market Average Gojo’s Financial Institutions Interest Rate N/A Lowest in each market ROA 2.0% 5.29% (The world average ROA 2010 – 2015) Loan growth (p.a.) Around 30% 74.2% (2000 – 2016) 30 days overdue loan % Around 5.0% 0.49% Annual staff turnover rate Around 30% 17.5% Source ： MIX Market (the overdue and the staff turnover are rough estimate); defined MFIs with total assets lower than $50 million as middle-size MFIs 15

What we have done (5): Awards / Media exposure Young Global Leader 2018 20 best U-40 CEOs of Japan Cover Page The World Economic Forum By Harvard Business Review Forbes Japan (only 100 selected worldwide) Japan Edition 16

What we will do 17

Our main tasks: � (1) Fundraise, (2) Invest and (3) Enhance the Investees Fundraise Invest Enhance the Investees Raise Debt & Equity to Find out the promising and Work with the group � make sure the growth trustworthy people � companies’ people � of the company and invest for them and enhance the operation 18

Fundraising Premise of fundraising – Image of the “Private Sector World Bank” World Bank Balance Sheet (2017) Gojo’s Consolidated Balance Sheet (2030) Loans to Loan from Capital Loan to 100 Loan from Government or Market, etc. million People in Various Investors Guaranteed by Developing the Government Countries Equity from Government Equity from investors + Retained Investments in Earnings Big Organizations + Retained Earnings 19