Press releases Archives - Gojo & Company, Inc.

September 30, 2026

五常・アンド・カンパニー、ウズベキスタンのRenesansの持分を19.8%に引き上げ

五常・アンド・カンパニー株式会社（代表執行役CEO：慎泰俊、本社：東京都渋谷区、以下「五常」）は、ウズベキスタンのマイクロファイナンス機関 JSC Renesans mikromoliya tashkiloti（以下「Renesans」）の持分を19.8%に引き上げたことをお知らせいたします。2025年7月の初回出資に続く今回の追加取得は、Renesansの事業運営力と、ウズベキスタンの金融包摂市場が持つ大きな成長可能性に対する、五常の確かな手ごたえを反映したものです。

今回の出資は、Renesansの支店ネットワークの拡大とデジタル化を加速させるための追加出資と、同社創業者の保有する株式の一部取得を組み合わせたものです。

2026年3月現在、Renesansは43の支店（出張所を含む）を通じて1.5万人の顧客に金融サービスを提供しており、営業貸付金は2,200万米ドルに達しています。

五常のタジキスタンのグループ会社であるCJSC Humo Bank（以下「Humo」）が、Renesansと協働し同社の業務改善を進めます。具体的には、Humoは、銀行業務の知見、デジタル技術力、そして中央アジアへの深い理解を活かし、Renesansの次のステージに向けた成長を支援します。

Renesans CEO Mirlaziz Salikhovich Umarov氏のコメント
「五常からのさらなる出資を大変嬉しく思います。今回の増資により、テクノロジーの強化、ウズベキスタン全土で金融サービスにアクセスできない多くの潜在顧客へのリーチを拡大できる体制が整いました。また、長年にわたって当社の成長を支えた創業者にエグジットの機会を提供できることも嬉しく思います。」

Humo General Director Firdavs Mayunusov氏のコメント
「ウズベキスタンのマイクロファイナンス市場は未開拓の大きな成長可能性を秘めています。Renesansは、そのビジネスモデル、ミッション、価値観、そしてコーポレート・ガバナンスのいずれにおいても五常グループが求める水準に合致しています。Humoは、Renesansとの連携を深め、知見の共有、業務上のシナジー、そして両社の持続的な発展に向けて取り組んでまいります。」

なお、本取引において、GRATA Internationalが五常の法務アドバイザーを務めました。

JSC Renesansについて
Renesansは、2007年7月にウズベキスタンのチルチクで設立されました。農村部の女性起業家、中小零細事業者及び自営業者に対し、利便性が高く、手頃な価格で、信頼できるマイクロファイナンスサービスを提供することを目指しています。2008年よりNational Asscociation of Microfinance Institutionsに加盟しています。

五常・アンド・カンパニーについて
五常は南・東南アジア及び中央アジア・コーカサスの7カ国のグループ会社及び主な投資先を通じ、途上国においてマイクロファイナンスを展開するホールディングカンパニーです。金融包摂を世界中に届けることをミッションとして、2014年7月に設立されました。2026年3月末時点のグループ会社及び主な投資先合算の顧客数は約190万人です。2025年1月に「B Corp™」認証を取得し、社会的・環境的パフォーマンスの向上に取り組んでいます。

Published by Gojo in JP press releases, JP press releases, JP press releases 2026, Press releases, Press releases

September 30, 2026

Gojo increased its ownership in Renesans in Uzbekistan to 19.8%

Gojo & Company, Inc. (“Gojo”) is pleased to announce that it increases its ownership in JSC Renesans mikromoliya tashkiloti (“Renesans”), a microfinance institution in Uzbekistan, from 9.8% to 19.8%. This follows Gojo’s initial investment in July 2025, and reflects Gojo’s growing confidence in Renesans’ operational excellence and the rapidly expanding economic potential of Uzbekistan’s financial inclusion sector.

The transaction combines a primary capital investment to support its next phase of digital and physical expansion, alongside a secondary transaction that provides a partial exit for the founders of Renesans.

As of March 2026, Renesans serves 15,634 active clients across 43 branches (including sub-branches), with a Gross Loan Portfolio of USD 22 million.

As Gojo increases its ownership, CJSC Humo Bank (“Humo”), its group company in Tajikistan, works together with Renesans to improve its operations. Based on their expertise in banking business, digital capabilities and deep understanding of the region, Humo supports Renesans as it advances to the next stage of its development.

Mirlaziz Salikhovich Umarov, Chief Executive Officer of Renesans
"We are thrilled to receive this further endorsement and investment from Gojo. This transaction not only provides our founding shareholders with a well-deserved partial liquidity event after years of dedication, but more importantly, it injects vital primary capital into our business. With these fresh resources, we are well-positioned to accelerate our strategic initiatives, upgrade our technological offerings, and expand our reach to thousands of unbanked and underbanked clients across the country."

Firdavs Mayunusov, General Director of Humo
"When Gojo first explored the Uzbek microfinance market three years ago, it stood out as a country with significant, still-untapped growth potential. Through our collaboration with Gojo and our analysis of the local market, Renesans was identified as an institution whose business model, mission, values, and corporate governance closely aligned with those of the Gojo Group. In line with our collaboration plans, Humo will continue to deepen its partnership with Renesans, creating opportunities for knowledge sharing, operational synergies, and the continued development of both institutions."

GRATA International acted as legal adviser to Gojo for this transaction.

About Renesans
Renesans was founded in July 2007 in Chirchik, Uzbekistan. It aims to provide convenient, accessible, and reliable microfinance services to women entrepreneurs, MSMEs, individual entrepreneurs, and the self-employed in rural areas. Renesans has been a member of the National Association of Microfinance Institutions since 2008.

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.

Published by Gojo in EN press releases, EN press releases 2026, Press releases

September 29, 2026

Gojo publishes its Impact Report (2026 September), reporting results from its first group-wide impact survey

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.

Published by Gojo in EN press releases, EN press releases 2026, Press releases

June 29, 2026

五常・アンド・カンパニー、カンボジアのChamroeun Microfinanceの過半数株式を取得する株式譲渡契約を締結

五常・アンド・カンパニー株式会社（代表執行役CEO：慎泰俊、本社：東京都渋谷区、以下、「五常」）は、Chamroeun Microfinance PLC.（以下、「Chamroeun」）の既存株主との間で、出資比率を99.9％に引き上げる株式譲渡契約を締結したことをお知らせいたします。本取引は規制当局による承認取得を前提としており、承認を得られ次第の取引完了を予定しています。

2025年9月に実施した14.99%のマイノリティ出資に続き、今回の子会社化を通じてカンボジアへの長期的なコミットメントをさらに深めることとなります。五常はすでに、カンボジアにおいてMAXIMA Microfinance Plc.（以下、「MAXIMA」）を通じてマイクロファイナンスサービスを展開しています。五常はグループの経営資源、テクノロジーの知見、そしてガバナンス強化施策を全面的に投入し、Chamroeunの成長加速と顧客保護基準の強化を推進してまいります。

なお、五常はファルス株式会社及び同社代表取締役の髙橋伸彰氏よりChamroeunの株式を取得します。

Chamroeun CEO Yannick Milev氏コメント

「Chamroeunの経営陣、スタッフ、そしてパートナー企業は、五常グループの一員となることに胸を躍らせています。責任ある金融サービスをカンボジア経済に不可欠な零細事業者に提供するという両社に共通するミッションを、最高水準のツールを用いて実践するという強い決意で、五常とのパートナーシップを推進してまいります。」

五常 COO Gürol Sariコメント

「五常の主な狙いは、カンボジア市場におけるChamroeunの立ち位置を、先進的なデジタル金融プレイヤーへと再定義することです。顧客向けアプリや融資申請プロセスにデジタルツールを導入することで、業務効率の向上と、顧客体験の劇的な改善を図ります。今後は、カンボジアにおける現在のベンチマークである五常グループのMAXIMAと同じ高い顧客保護水準へと引き上げ、顧客保護認証のゴールド認証の取得を目指します。」

Chamroeun Microfinance PLC.について

Chamroeunは、2009年に設立されたカンボジアのマイクロファイナンス機関です。カンボジア国立銀行の認可を受け、複数の州で事業を展開し、2万以上の世帯にサービスを提供しています。低所得層や銀行口座をもたない世帯、そして、小規模事業主を対象に金融サービスを提供しています。

五常・アンド・カンパニー株式会社について

五常は南・東南アジア及び中央アジア・コーカサスの7カ国のグループ会社及び主な投資先を通じ、途上国においてマイクロファイナンスを展開するホールディングカンパニーです。金融包摂を世界中に届けることをミッションとして、2014年7月に設立されました。2026年3月末時点でグループ会社及び主な投資先合算の顧客数は約170万人です。2025年1月に「B Corp™」認証を取得し、社会的・環境的パフォーマンスの向上に取り組んでいます。

Published by Gojo in JP press releases, JP press releases, JP press releases 2026, Press releases

June 29, 2026

Gojo entered into a share purchase agreement to acquire a majority stake in Cambodia’s Chamroeun Microfinance

Gojo & Company, Inc. (“Gojo”) is pleased to announce that it entered into a share purchase agreement with Chamroeun's existing shareholders to bring its total ownership in Chamroeun Microfinance PLC. (“Chamroeun”) to 99.9%, making Chamroeun a consolidated subsidiary. The transaction is subject to regulatory approvals.

Following its initial acquisition of a 14.99% minority stake in September 2025, this milestone deepens Gojo’s long-term commitment to Cambodia, marking its second majority-stake integration in the country alongside MAXIMA Microfinance Plc. (“MAXIMA”). By moving from a minority investor to a primary parent company, Gojo will fully extend its group resources, technological expertise, and institutional governance to accelerate Chamroeun’s growth and strengthen client protection standards.

Gojo is to acquire Chamroeun shares from PHALs Inc. (“PHALs”) and Mr. Nobuaki Takahashi, CEO of PHALs.

Yannick Milev, Chief Executive Officer of Chamroeun 　

“Chamroeun management, all staff and partners are excited to engage on this journey with Gojo. The shared values for responsible lending, the common ambition to drive these to microfinance clients looking to grow microentreprises essential to the Cambodian economy, and the commitment to doing so using best-in-class tools and systems will drive this new partnership. Thank you to Gojo for their belief in our capacity to further contribute to their success, and to that of their shareholders.”

Gürol Sari, Chief Operating Officer of Gojo

“Gojo’s focus is on repositioning Chamroeun in the Cambodian market as a leading digital finance player. By introducing Gojo’s digital processes and tools such as our client app and loan application process, we are drastically improving the client experience as well as improving efficiency. Looking ahead, we aim to elevate Chamroeun to the same high standards of client protection as our other group company, MAXIMA—the current benchmark in Cambodia—as we work toward securing their Gold Certification in client protection certification.”

About Chamroeun Microfinance PLC.

Chamroeun is a social microfinance institution in Cambodia, established in 2009. Licensed by the National Bank of Cambodia, Chamroeun operates across multiple provinces, serving more than 20,000 households. The institution focuses on economically active low-income and underbanked households, as well as small enterprises, providing them with access to responsible financial services.

About Gojo & Company, Inc.

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 1.7 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.

Published by Gojo in EN press releases, EN press releases 2026, Press releases

February 14, 2026

五常・アンド・カンパニー、バングラデシュのフィナンシャル・ダイアリー調査においてMSCと提携

五常・アンド・カンパニー株式会社（代表執行役CEO：慎泰俊、本社：東京都渋谷区、以下、「五常」）は、金融、社会、経済的な包摂を推進するグローバル・コンサルティングファームであるMicroSave Consulting（以下、「MSC」）とHrishipara Daily Diaries Projectに関する協業を開始いたします。本プロジェクトは、フィナンシャル・ダイアリーの手法を用いて、バングラデシュ中部に暮らす低所得世帯の日々の金銭取引を記録し、家計や経済活動の実態を詳細に理解することを目的とした研究プロジェクトです。2015年にStuart Rutherford氏が開始し、五常は2024年7月に参画しました。

MSCとの協業は、プロジェクトの財務および技術面の強化を目的としています。MSCは、金融包摂分野における調査・データ分析・知見の発信に関する豊富な経験を有しており、これまで世界各地で多数のフィナンシャル・ダイアリー調査や応用研究プロジェクトを主導・支援してきました。本協業を通じて、ダイアリー・データのより深い分析を行い、投資家、実務家、政策立案者を含む金融包摂分野の幅広いステークホルダーに向けて、知見をより広く共有していくことを目指します。

MSC Bangladesh Country Director Zaki Haider氏コメント
Hrishipara Daily Diaries Projectにおいて五常とパートナーシップを結べることを大変嬉しく思います。本協業を通じて、長期的に蓄積されてきた人々の生活に関する深い洞察と、最先端のデジタル技術とをつなぐ架け橋を築いていきます。AIやデータサイエンスにおける私たちの専門性を活かし、低所得コミュニティ固有のニーズに即した実践的なAIソリューションの実証に取り組んでいきます。本プロジェクトを通じて、グローバル・サウスにおけるより包摂的で柔軟性のある金融商品・サービスの設計に貢献することを期待しています。

五常 Head of Impact Cheriel Neo氏コメント
Hrishipara Daily Diaries Projectに、低所得世帯の日々の暮らしの研究という志を共有するパートナーを迎えることができたことを喜ばしく思います。本協業を通じて得られる金融包摂に関する知見を、より広く発信していけることを楽しみにしています。

MicroSave Consultingについて
MSCは、27年にわたり金融、社会、経済的な包摂を推進してきたグローバル・コンサルティングファームです。400人以上の多様な国籍と専門知識を持つ社員が、70カ国以上で事業を展開しています。金融サービス、企業、農業、医療分野を中心とするエコシステムにおいて、政府、ドナー、民間企業、現地企業など幅広いステークホルダーと協働し、持続可能な事業および価値の創出を支援しています。また、デジタル分野における高い専門性を活かし、顧客の事業が将来にわたって変化に対応できるよう支援しています。

五常・アンド・カンパニーについて
五常は南アジア、東南アジア、中央アジア及びコーカサスの7カ国のグループ会社及び主な投資先を通じ、途上国においてマイクロファイナンスを展開するホールディングカンパニーです。金融包摂を世界中に届けることをミッションとして、2014年7月に設立されました。2025年3月末時点でグループ会社及び主な投資先合算の顧客数は約340万人です。2025年1月に「B Corp™」認証を取得し、社会的・環境的パフォーマンスの向上に取り組んでいます。

Published by Gojo in JP press releases, JP press releases, JP press releases 2026, Press releases

February 14, 2026

Gojo partners with MSC to strengthen the Hrishipara Daily Diaries Project in Bangladesh

Gojo & Company, Inc. (“Gojo”) is pleased to announce a collaboration with MicroSave Consulting (“MSC”), a global consulting firm that enables financial, social, and economic inclusion, to strengthen and expand the Hrishipara Daily Diaries Project (“Hrishipara diaries”). The Hrishipara diaries aims to develop a detailed understanding of the economic and financial lives of low-income households by tracking their daily monetary transactions in central Bangladesh. Launched in 2015 by Stuart Rutherford, the project has been co-funded by Gojo since July 2024.

This collaboration with MSC aims to increase the resources available to the Hrishipara diaries by enhancing both financial support and technical capacity. MSC will contribute its extensive experience in financial inclusion research, data analysis, and knowledge dissemination. MSC has led and supported numerous financial diaries and applied research projects globally, and its involvement will enable deeper analysis of diaries data and broader sharing of insights with investors, practitioners, and policymakers in the financial inclusion sector.

Zaki Haider, Country Director of MSC Bangladesh said, “We are thrilled to partner with Gojo on the Hrishipara Daily Diaries Project. Together we will bridge the gap between longitudinal human insights and cutting-edge digital innovation. By integrating our expertise in artificial intelligence and data science, we will pilot real-world AI solutions specifically designed for the unique needs of low-income communities. Over the course we will generate evidence and tools that empower policymakers and service providers to design more inclusive, resilient products across the Global South.”

“In welcoming MSC to the Hrishipara diaries, we gain a likeminded partner motivated by the same interest in the lives of low-income households which keeps the daily diaries going. We look forward to working together to share findings from the project more widely in the financial inclusion space.”, said Cheriel Neo, Head of Impact at Gojo.

About MicroSave Consulting
MSC is a global consulting firm that has, for 27 years, pushed the world towards meaningful financial, social, and economic inclusion. With over 400 staff of different nationalities and varied expertise, MSC works in over 70 developing countries. MSC partners with participants in financial services, enterprise, agriculture and health ecosystems to achieve sustainable performance improvements and unlock enduring value. MSC’s clients include governments, donors, private sector corporations, and local businesses. MSC helps clients seize the digital opportunity, address the mass market, and future-proof their operations.

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 3.4 million clients across the globe as of March 2025. Gojo has been a Certified B Corporation™ since January 2025, committed to the continuous improvement of its social and environmental performance.

Published by Gojo in EN press releases, EN press releases 2026, Press releases

October 6, 2025

Gojo further expands its business in Cambodia with investment in Chamroeun

Gojo & Company, Inc. (“Gojo”) is pleased to announce the acquisition of a 14.99% stake in Chamroeun Microfinance PLC. (“Chamroeun”), a microfinance institute in Cambodia in September 2025. This is Gojo’s second investment in the country following the investment in MAXIMA Microfinance Plc. (“Maxima”) in 2015.

Cambodia’s financial inclusion sector is currently experiencing a period of significant difficulty. Over the past several years, multiple reports have documented cases of over-indebtedness and inappropriate collection practices, raising serious concerns regarding the wellbeing of microfinance clients. Gojo acknowledges these concerns and treats them with the utmost gravity. In response, Gojo will prioritise the development of both Maxima and Chamroeun in Cambodia with a strong and demonstrable commitment to Social and Environmental Performance Management, placing the interests and wellbeing of clients at the centre of its strategy. Looking ahead, Gojo’s vision is to contribute to a more responsible and resilient financial ecosystem in Cambodia—one that fosters sustainable growth, protects clients, and strengthens trust in the microfinance sector.

As a minority shareholder, Gojo will support Chamroeun to continue pursuing its mission to improve the livelihoods, skills, and self-confidence of low-income households in Cambodia. Chamroeun offers various types of individual loan, group loan, and corporate loan, achieving a Gross Loan Portfolio of USD 33.72 million as of December 2024. Additionally, Chamroeun received Client Protection Certification in February 2024, further demonstrating its commitment to responsible microfinance.

About Chamroeun Microfinance PLC.
Chamroeun is a leading social microfinance institution in Cambodia, established in 2009. Licensed by the National Bank of Cambodia, Chamroeun operates across multiple provinces, serving more than 30,000 households. The institution focuses on economically active low-income and underbanked households, as well as small enterprises, providing these with access to responsible financial services. Chamroeun upholds industry best practices, including strong client protection principles and transparent governance. Over the years, it has been recognized for its social performance and unwavering commitment to inclusive finance.

About Gojo & Company, Inc.
Gojo is a Tokyo-based holding company of inclusive financial service providers operating in 14 countries in South & Southeast Asia, Central Asia & the Caucasus, and Sub-Saharan Africa. Gojo was founded in 2014 to extend financial inclusion across the globe. Gojo Group, including major investees, is serving 3.4 million clients across the globe as of March 2025. Gojo has been a Certified B Corporation™ since January 2025, committed to the continuous improvement of its social and environmental performance.

Published by Gojo in EN press releases, EN press releases 2025, Press releases

October 6, 2025

五常・アンド・カンパニー、Chamroeunへの出資を通じてカンボジアにおける展開を拡大

五常・アンド・カンパニー株式会社（代表執行役CEO：慎泰俊、本社：東京都渋谷区、以下、「五常」）は、2025年9月にカンボジアのマイクロファイナンス機関であるChamroeun Microfinance PLC.（以下、「Chamroeun」）の株式14.99%を取得しました。2015年のMAXIMA Microfinance Plc.（以下、「Maxima」）に続く、同国で2件目の出資です。

カンボジアのマイクロファイナンス業界は、今大きな困難に直面しています。近年、過重債務や不適切な取り立てに関する報告が相次ぎ、顧客の生活への影響が懸念されています。五常はこうした問題を真摯に受け止め、最重要課題として対応しています。その一環として、カンボジアではMaximaとChamroeunの発展を支え、社会環境パフォーマンス管理を徹底することで、顧客の利益と生活の安定を守ることを目指します。今後も五常は、顧客保護、持続可能な成長、信頼を基盤とする、責任ある金融エコシステムの構築に貢献します。

五常は少数株主として、Chamroeunがカンボジアの低所得世帯に対しマイクロファイナンスサービスを提供し、生活水準や職業スキル、自己効力感を向上させるというミッションを実現できるよう支援します。Chamroeunは個人向け融資、グループ融資、法人向け融資など多様な商品を提供しており、2024年12月末時点で営業貸付金は、3,372万ドルに達しています。さらに2024年2月には顧客保護認証を取得し、社会環境パフォーマンス管理への強いコミットメントを改めて示しました。

Chamroeun Microfinance PLC.について
Chamroeunは2009年に設立されたカンボジアのマイクロファイナンス機関です。カンボジア国立銀行の認可を受け、複数の州で事業を展開し、3万世帯以上にサービスを提供しています。低所得層や銀行口座をもたない世帯、そして、小規模事業主を対象に金融サービスを提供しています。Chamroeun は、顧客保護や透明性のあるガバナンスを含む業界のベストプラクティスを重視しており、これまでに社会的パフォーマンスや金融包摂への取り組みが高く評価されています。

五常・アンド・カンパニーについて
五常は南・東南アジア、中央アジア・コーカサス及びサブサハラ・アフリカの14カ国のグループ会社及び主な投資先を通じ、途上国においてマイクロファイナンスを展開するホールディングカンパニーです。金融包摂を世界中に届けることをミッションとして、2014年7月に設立されました。2025年3月末時点でグループ会社及び主な投資先合算の顧客数は約340万人です。2025年1月に「B Corp™」認証を取得し、社会的・環境的パフォーマンスの向上に取り組んでいます。

Published by Gojo in JP press releases, JP press releases, JP press releases 2025, JP press releases 2025, Press releases

September 19, 2025

Gojo acquires an additional 90.7% stake in CJSC Bank Arvand bringing its ownership to 99.7%

Gojo & Company, Inc. (“Gojo”) is pleased to announce that it entered into an agreement to acquire an additional 90.7% stake in CJSC Bank Arvand (“Arvand”, or “the Bank”).

This follows Gojo’s initial acquisition of 9.0% stake in November 2024, bringing its total ownership in Arvand to 99.7%.

This strategic investment underscores Gojo’s commitment to supporting Arvand in advancing its mission of providing high-quality financial services to micro, small and medium enterprises (MSMEs) and individuals, with the aim of stimulating the economic and social growth of Tajikistan.

Ms. Shoira Sodiqova, Chief Executive Officer at Arvand, said, “We are immensely proud to welcome Gojo as a majority shareholder. This investment is a powerful endorsement of Arvand's long-standing commitment to sustainable finance and our mission to drive socio-economic development in Tajikistan. Gojo's renowned expertise and shared values will be instrumental as we scale our impact. It is a pivotal moment in our history, and we are confident it will unlock new opportunities for innovation and growth for the people of Tajikistan. This partnership is more than capital; it is a fusion of vision and expertise.”

"This acquisition marks an important milestone in our partnership with Arvand. With majority ownership, we can further accelerate the collaboration we have started by fully leveraging Gojo’s expertise and group assets, including but not limited to introducing innovative products, improving operational efficiency, ensuring best-in-class governance, and promoting social and environmental performance management, and impact measurement at Arvand. Gojo is committed to supporting the Bank in expanding its reach and enhancing the quality of financial services for MSMEs and individuals in Tajikistan.", said Arnaud Ventura, Managing Partner at Gojo.

Gojo acquired Arvand shares from LLC MCC Frontiers, Access Arvand GmbH, Rural Impulse Fund II S.A. SICAV-SIF (managed by Incofin Investment Management), two funds managed by Triodos Investment Management (namely the Triodos Fair Share Fund managed by Legal Owner Triodos Funds B.V., and the Triodos Microfinance Fund managed by Triodos SICAV II) and partially from Shoira Sodiqova.

About CJSC Bank Arvand
Arvand is the fifth largest bank based on loan portfolio size in Tajikistan’s microfinance sector, dedicated to empowering low-income families, micro-entrepreneurs, and small businesses to improve their livelihoods and contribute to the country’s economic growth. Arvand offers unsecured loans which enable low-income households and MSMEs to increase their income and improve their living standards. In addition to loans, they also provide a wide range of financial services, including deposit accounts, remittances, online banking, currency exchange, ATM cards, and cash management solutions.

About Gojo & Company
Gojo is a Tokyo-based holding company of inclusive financial service providers operating in 14 countries in South & Southeast Asia, Central Asia & the Caucasus, and Sub-Saharan Africa. Gojo was founded in 2014 to extend financial inclusion across the globe. Gojo Group, including major investees, is serving 3.4 million clients across the globe as of March 2025. Gojo has been a Certified B Corporation™ since January 2025, committed to the continuous improvement of its social and environmental performance.

Published by Gojo in EN press releases, EN press releases 2025, Press releases

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