Gojo Company

Gojo & Company, Inc. is a Tokyo-headquartered global microfinance group whose stated aim is to become a "private-sector World Bank". It extends financial inclusion by supporting socially impactful financial service providers, expanding its footprint through investment in, acquisition of, or establishment of such providers. The group states a vision of creating a world where everyone can determine their own future and a mission of extending financial inclusion across the globe, and it is a certified B Corporation.

The group operates through consolidated subsidiaries and non-consolidated investees. Disclosed holdings include Chamroeun Microfinance Plc. in Phnom Penh, Cambodia (99.9% ownership as of July 2026; USD 37 million in assets and 27,000 clients) and JSC Renesans mikromoliya tashkiloti in the Tashkent region of Uzbekistan (9.8% non-consolidated investment as of March 2026; USD 25 million in assets and 15,000 clients). Gojo also co-manages investment funds: Japan's Unleash Capital Partners, co-managed by founder Natsuki Sugai and Gojo & Company, closed a maiden Rs 300 crore fund backed by roughly 35 Japanese limited partners, had deployed capital into seven Indian startups and planned to back 12-15 companies with cheque sizes of Rs 5 crore to Rs 18 crore.

Gojo's board includes outside directors with legal, capital markets and risk backgrounds, among them Akira Kawashiro (attorney qualified in Japan and Illinois, partner at Southgate, serving on the Audit and Impact Committees), Kshama Fernandes (chair of the Remuneration and Talent Committee, member of the Nomination and Impact Committees, and Vice Chairperson of India's Northern Arc Group), and Almira Zejnilagic (Audit and Impact Committees, formerly a partner at FTI Consulting)."]

Business model

Gojo acquires, invests in, or establishes financial service providers such as microfinance institutions and holds them as consolidated subsidiaries or minority investments, supporting their growth; it also co-manages third-party investment funds, such as an India-focused fund co-managed with Unleash Capital Partners and backed by Japanese limited partners.

Traction

As of March 2025, Gojo Group and its major investees had reached more than 3.4 million clients across 14 countries. By mid-2020 Gojo reported total investment of Rs 525 crore across four countries, of which Rs 365 crore was exposure to Indian companies. Consolidated subsidiary Chamroeun Microfinance held USD 37 million in assets and 27,000 clients, while investee Renesans held USD 25 million in assets and 15,000 clients.

Latest developments

In September 2025, Unleash Capital Partners, co-managed by Gojo & Company, closed its maiden Rs 300 crore India fund. In June 2025 Unleash Capital Partners appointed Keshav Mishra as an advisor. Gojo-backed Aviom India Housing Finance came under investigation in late 2024 after the National Housing Bank found inflated mutual fund investments; Aviom disclosed a cash crunch and delayed lender payments, and a forensic audit was initiated.