Gojo & Company, Inc. (“Gojo”) is pleased to announce the publication of the Impact Report (2026 September).
Each year, the Impact Report reflects on our activities and achievements, visualising the impact we have created. Last year, we updated our Client Impact Framework. This year, we put it to work. Between April 2025 and March 2026, five group companies in Tajikistan, India, Sri Lanka, Myanmar, and Cambodia ran Gojo’s first standardised impact survey. For the first time, we are able to report outcome indicators across the group using a single, common method, which we hope offers a new depth of insight into the group’s impact.
Key highlights from the Impact Report (2026 September)
- Gojo Group and its major investees served 1.9 million clients as of March 2026: Women make up 51% of clients, and our reach in rural areas is 63%. Client numbers fell significantly from the previous year, mainly due to the exclusion of SATYA in India and the sale of our shares in Baobab in Africa.
- The most interesting depth indicator is financial additionality, measured in our impact survey: 29% of clients across group companies report they could not have financed their business without us. Among clients surveyed, 73% of business loan clients saw an income increase, 90% reported an improvement in their quality of life, and 78% credited the loan from the Gojo group company for the income increase. Our key takeaway is that impact can most easily be optimised where the market is underserved and we genuinely provide differentiated services, such as in Tajikistan, Sri Lanka, and Myanmar. In mature markets such as India and Cambodia, where clients have many formal and informal alternatives to choose from, it can be more challenging to provide the same additionality of impact.
- The survey also indicates that some clients may face challenges in repayment or in increasing their savings: While 80% of clients say that repayment towards all their loans is not a burden, the average client's household puts 22% of its income towards debt repayments, and a minority put in considerably more. Most clients surveyed are able to save (69%), but only 55% saw an increase in savings over the year, primarily because insufficient incomes restrict their ability to save. Specific monitoring and mitigating actions are already underway.
- Quality indicators were strong across the group: Clients highlighted the ease of the loan process and fair treatment by staff, and our average client satisfaction score was 96%, with a Net Promoter Score® of 77. Exits due to dissatisfaction remain very low, at under 2% across all companies.
- We also completed SPI(Social Performance Indicator) audits at Prayas and Sejaya, assessing Social and Environmental Performance against USSEPM (The Universal Standards for Social and Environmental Performance Management).
We hope you enjoy reading our Impact Report.
Webinar: Practical Outcomes Measurement — Insights from Gojo’s First Impact Survey
Please join us for an upcoming webinar on October 29, in which we will share our methodology for the impact survey and the key highlights of our analysis.
Date: Thursday, October 29, 2026
Time: 9:00-10:00am CET / 5:00-6:00pm JST / 1:30-2:30pm IST
Language: English
Registration form: Link (prior registration is required)
Panelists:
• Cheriel Neo (Head of Impact)
• Arya Murali (Impact Lead)
• Mohini Sharma (Intern, Impact team)
We look forward to your participation.
About Gojo & Company
Gojo is a Tokyo-based holding company of inclusive financial service providers operating in 7 countries in South Asia, Southeast Asia, Central Asia, and the Caucasus. Gojo was founded in 2014 to extend financial inclusion across the globe. Gojo Group, including major investees, is serving 1.9 million clients across the globe as of March 2026. Gojo has been a Certified B Corporation™ since January 2025, committed to the continuous improvement of its social and environmental performance.
