Group Companies

Myanmar

Microfinance Delta International

Microfinance Delta, a small start-up MFI founded by Mr. Myint Swe, joined Gojo to establish the MFI in 2015. The corporate vision is that all low-income people have the opportunities to achieve a life free from poverty with dignity and purpose. Its mission is to assist the low-income groups to improve their living condition through […]

IR Reports

Sri Lanka

Sejaya Micro Credit

Together with Gojo, Ms. Renuka Rathnahewage and her team members founded Sejaya Micro Credit in 2015 to alter the situation in which big “microfinance” players are now focusing on profit maximization and have forgotten the spirits of genuine microfinance. Sejaya’s vision is to be the best microfinance service provider in terms of poverty reduction, job […]

IR Reports

Cambodia

Maxima Microfinance

Maxima was founded in 2000 to offer microfinance services with an emphasis on lending to rural poor and low-income individuals and small and medium-sized enterprises (“SME”s) to improve their living standards and realizing their business goals. Maxima partnered with Gojo in 2014 to achieve its vision – to be the leading microfinance institution offering micro-financial […]

IR Reports

Microfinance Delta International

Microfinance Delta, a small start-up MFI founded by Mr. Myint Swe, joined Gojo to establish the MFI in 2015. The corporate vision is that all low-income people have the opportunities to achieve a life free from poverty with dignity and purpose. Its mission is to assist the low-income groups to improve their living condition through promotion of self-reliant micro-business opportunities and provision of access to small-scale financial services.

Mr. Myint Swe, the former top management of the UNDP microfinance program in Myanmar, is the most well-known and respected microfinance practitioner in the industry and the author of the microfinance textbook in Myanmar. He made a number of modifications to Grameen methodology so that the methodology suits to Myanmar’s specific context. The organization has grown at an exponential speed while keeping the perfect loan quality and the stress-free working environment for the employees.

Sejaya Micro Credit

Together with Gojo, Ms. Renuka Rathnahewage and her team members founded Sejaya Micro Credit in 2015 to alter the situation in which big “microfinance” players are now focusing on profit maximization and have forgotten the spirits of genuine microfinance. Sejaya’s vision is to be the best microfinance service provider in terms of poverty reduction, job creation and social uplift. The mission is to provide inclusive financial services to needy and underprivileged women/men to uplift their economic status, empower and generate employment opportunities in a socially responsible manner.

Renuka, the founder and CEO, is a respected microfinance practitioner in Sri Lanka and has built the team from scratch with motivated professionals. Despite being a start-up, Sejaya is augmenting its reputation and popularity every month, and now approximately 80% of the new staff and new clients join the organization through referrals from the existing staff and clients. While making the social impact, the company already achieved break-even and run sustainably.

Maxima Microfinance

Maxima was founded in 2000 to offer microfinance services with an emphasis on lending to rural poor and low-income individuals and small and medium-sized enterprises (“SME”s) to improve their living standards and realizing their business goals. Maxima partnered with Gojo in 2014 to achieve its vision – to be the leading microfinance institution offering micro-financial services with the highest quality of customer service.

Given the growing number of MFIs in the sector, Maxima is expanding its SME loan business such that the loan can contribute to the development of the local industry. The staff turnover rate at Maxima is around 1/3 of the industry average, suggesting the level of staff satisfaction that is the foundation of social performance management. Thanks to its prudence and frugality, Maxima has never experienced the high non-performing loan ratio and consecutively achieved break-even since its establishment.

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