Our Impact

Our Impact


A MAXIMA client who built a small textile factory woven in a traditional way, employing several local villagers / Taejun Shin

As of March 2023, Gojo Group has reached more than

1.8 million

clients across 5 countries: Cambodia, India, Sri Lanka, Myanmar, and Tajikistan.


of our clients are women.


of our clients live in rural areas.


are accessing finance for the first time.


Figure 1. Gojo Group's Assets Under Management (AUM) and portfolio overview

* Please note that the figures in the table above are a simple aggregation of the eight group companies. AUM includes off-balance items but excludes transfer of delinquent loans from SATYA to an ARC.

Using core banking system data, we learnt that the majority of our clients are micro- and small entrepreneurs who earn up to 30% above the World Bank poverty line of $6.85 PPP per capita per day. This tells us that our clients, although not extremely poor, belong to a segment of society that nonetheless struggles with income instability and is vulnerable to poverty as a result of shocks such as family illness or natural disasters.

As we grow and expand our impact, we aim to extend financial inclusion to households that for-profit financial institutions do not usually regard as viable customers, and have little to no access to financial services. To do this, we strive to find innovative solutions to serve this lowest income segment through our R&D activities.

Our non-profit counterpart, Gojo Foundation, also tries to address this segment through grant projects. Our team continues to put our utmost effort in reaching more individuals and generating greater impact.

See how we generate impact here:

Stories From the Field

Stories From the Field

Stories From the Field


Rohini and her employees in their workshop / Sejaya

Inspiration for enterprise growth

Inspiration for enterprise growth

Inspiration for enterprise growth

Rohini Welikala is a client of Sejaya, our partner in Sri Lanka. She owned a small grocery shop at her house and would typically use loans from several MFIs to supplement her income for consumption and daily expenses.

When Rohini heard about Sejaya, she became inspired to use loans to grow her business. In 2016, she took a loan from Sejaya to purchase sewing machines, and started a business making skirts and blouses as a subcontractor for a garment manufacturer. In the years since, micro-credit has enabled Rohini to expand both her enterprises, and she has been able to hire 5 people for her sewing business and move her grocery business out of her house and into a small shop.

The increase in income has enabled Rohini to upgrade her house and pay for one son's continuing education and another son's marriage, and her employees have been able to send their children for extra classes as a result of the income from their jobs. Rohini hopes to continue expanding her businesses and to eventually pass them on to her son.

Unlocking business potential

Unlocking business potential

Unlocking business potential

Daw Soe Soe Mar and her husband were running a tiny business in Myanmar and struggled to make ends meet. They decided to join MIFIDA's credit program, and worked hard to invest the money into their business. Today, they own a nice restaurant selling hot food, salad, and tea. The growth of their business has helped them to afford better education for their children and to regain dignity in the community. Watch this video to see how this hardworking family built a brighter future with microfinance.


Kin Mach constructed a toilet for her home with the loan she received, ensuring good sanitation for her family / Maxima

Improving access to sanitation

Enabling creative business ideas

Enabling creative business ideas

Kin Mach and her family live in Preaek Kruos village, a part of Kong Meas district in Kampong Cham province, Cambodia. She is a rice soup seller, earning 200 USD per month. Her husband is a barber and their two children are garment workers. 

In order to collect enough water for the daily needs of her family, Kin would wake up at 5 a.m, go to the market, and spend 30 minutes taking the water from the lake for daily use and cooking food - some for her children and some to be sold. Her home is also not equipped with a toilet, so she would walk far from home to defecate in the forest instead. It is extremely difficult for her family especially in the rainy season because they are living in a flood-prone area with many venomous snakes. She has spent a lot of money on healthcare every year.

Kin first heard about Maxima in 2019 from the credit officer who introduced the products and services of Maxima to her in the village. She took a loan of 600 USD to install a borehole well with a pump and construct a toilet. With these new amenities, she can open her shop early and earn an average additional 350 USD per month. Her children have more time to work and are healthier than before. They save the remaining income for the future to build a new house and a new shop.


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