We are hiring! (as of February 2019) - PowerPoint PPT Presentation

We are hiring! (as of February 2019)

当社の公用語は英語です。 ��ផ�វ�ររបស�œយœងគ���អង�eគ�ស។ က � ြ � ု��i � ၏ တရ��၀င��သ�စက��သည္ English ျဖစ��သည္။ අෙ �ල භාෂාව ඉං��� ෙ� . हमारी आधिकारिक भाषा अंग्रेजी है । Our official language is English. 2

Corporate Overview Founded 4 July 2014 Mission Provide financial access for everyone in the world as the Private Sector World Bank Board & Taejun Shin Co-founder & Chief Executive Officer Committee Sanjay Gandhi Co-Founder & Chief Investment Officer Members Tsuyoshi Nagashima Co-Founder & Head of Administration Takefumi Uda Chief Operating Officer & Board Member Masahiro Kotosaka Non-Executive Board Member Mangyo Kinoshita Non-Executive Board Member Stuart Rutherford Non-Executive Board Member Capital $41 million (JPY 4.53 billion) Shareholders Dai-ichi Life Insurance, Nippon Venture Capital, Nissay Capital, International Christian University, JAFCO, Link & Motivation, Tokyo University of Science Investment Management Company & 60 individuals 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, enter insurance, remit money, etc. Prepare for emergency 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 ▪ Empathy: When in doubt, choose the option which helps the weak and the poor ▪ Do the right thing: Do things fair and square / Never forget gratitude / Do it and take it to completion ▪ Politeness: Keep good manner according to the local culture but never forget humor ▪ Wisdom:: Never be complacent; learn and introduce the world’s best practice ▪ Trust: Build trust through consistent voice and deed Management Principle 1. Consistency 1–1 We will never compromise on the Guiding Principles for the sake of sentiment or ad-hockery Be consistent on what we 1–2 We continuously talk to the stakeholders about the Guiding Principles and let them be infected believe, what we speak and 1–3 We earn trust and reputation by our consistent behavior – media exposure or award is incidental what we do 2. Truth 2–1 Raise issues → Define goal & conditions → Develop thought framework → Collect facts → Think logically → Execute Think and behave rightly 2–2 When thinking, we rely only on the Guiding Principles, facts and logic, not on prejudice or emotions 2–3 Hide or exaggerate nothing, make the decision-making process transparent and thus make ourselves genuine 3. Ethics 3–1 We make a profit not by exploiting clients but by serving them better than any others We do not do business with 3–2 We work with every group member as an equal partner aiming the same goal which we cannot face our 3–3 We do not sacrifice our individual and family life for the sake of the work clients, family and friends 4. Aesthetics Pursue the 4–1 We will never compromise on the best process and outputs best quality, the best speed 4–2 We do things timely – never procrastinate even mentally burdensome things and the best simplicity 4–3 While we gather 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+ $20 mil (Japan) (Cambodia) 97.5% Sejaya MicroCredit 2015 2015 25,000+ $5 mil (Sri Lanka) 95.9% Microfinance Delta Int’l 2015 2015 55,000+ $8 mil (Myanmar) 95 Ananya Finance 55.8% 2009 2018 MFI & $37 mil (India) Agri Corp Satya MicroCapital 25.4% 2016 2018 160,000+ $84mil (India) 12

What we have done (2): The company has grown rapidly No. of customers of group companies since the establishment (in 000s) 270.1 Invested in 223.0 Satya +194% / Year Dec 2018 Monthly revenue: $2.5mn Invested in Monthly profit: $0.3mn Established & Founded Founded Ananya Invested in Sejaya Microfinance Maxima Delta 72.9 65.0 53.0 49.4 40.6 12.6 19.5 22.4 26.5 32.1 37.3 3.2 3.6 4.0 4.5 7.6 3Q14 4Q14 1Q15 2Q15 3Q15 4Q15 1Q16 2Q16 3Q16 4Q16 1Q17 2Q17 3Q17 4Q17 1Q18 2Q18 3Q18 4Q18 13

General Information What we have done (3): Group employees reached 1,600 Composition of group employees 1,600+ Total Employees / 850 Loan O ffi cers Gojo (JP) ------------------------- 14 Staff (0.9%) 101 Non-LO 72 Loan Officers Maxima (KH) ------------------ 173 Staff (11.2%) (14.2%) (8.6%) 97 Non-LO 43 Loan Officers Sejaya (LK)----------------------140 Staff (9.0%) (13.7%) (5.1%) 177 Non-LO 171 Loan Officers Microfinance Delta (MM) ----- 348 Staff (22.5%) (25.0%) (20.4%) Ananya (IN) ----------------------- 25 Staff (1.7%) 300 Non-LO 546 Loan Officers Satya (IN) ---------------------- 846 Staff (54.7%) (42.3%) (65.1%) 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 Loan to 100 Loan from Government or Capital Market, million People in Various Guaranteed by etc. Developing Investors the Government Countries Equity from Government Equity from Investments in + Retained investors Big Earnings Organizations + Retained Earnings 19