Sejaya Micro Credit. Company Profile. October 2016
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1 Sejaya Micro Credit Company Profile October 2016
2 Company Profile
3 We founded Sejaya to provide the genuine microfinance service in Sri Lanka. Basic Information Corporate Status: Public Limited Liability Company Incorporated in February 2015 Operation commenced in June 2015 Majority Shareholder: Gojo & Company, Inc. (97%) Directors: Renuka Rathnahewage (CEO) Taejun Shin (Chairman) A.G. Weerasinghe Key Figures: Number of Clients: 10,000 Number of Staff: 40 Number of Branches: 6 Capital: LKR 200 million Reasons behind the establishment We think that big microfinance players are now focusing on profit maximization and have forgotten spirits of genuine microfinance. We founded Sejaya to alter the situation and fulfill responsibility of the true professionals. Vision and Mission Our 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
4 Founding Directors Renuka Rathnahewage CEO and Founding Director R e n u k a R a t h n a h e w a g e i s a C e r t i fi e d Management Accountant and Certified Professional Manager from Sri Lanka and holding Master in Business Administration from University of Wales in UK. Renuka started her career as an accountant in 1998 at PRDA (NGO/MFI) and promoted up to General Manager. She led activities such as HR & administration, project management, community development, women empowerment, social mobilization, housing, Sanitation & livelihood, mainly working with rural women societies. In 2004 she has taken the initiative to establish the microfinance unit at PRDA and served as a director. During the period of 10 years she maintained good relationship with EU, CIPSI Italy, Italian government, Plan International, Action-aid. In 2008 Renuka joined Sewa Finance, an MFI in Sri Lanka, as the Chief Executive Officer and took over the leadership for the company which was facing a severe crisis and was able to turnaround the company to a profit making entity by restructuring all the systems and building a cohesive team. She represented Sewa in the LMFPA (Lanka Micro Finance Practitioners Association) as a director for 3 years and lobbied for the improvement of the microfinance sector in Sri Lanka. The US government handpicked her to participate in the 2011 International Visitor Leadership Program in the United States in recognition of her services for the microfinance sector. She cofounded Sejaya in 2015 and now serve as the CEO. Taejun Shin Chairman and Founding Director Having graduated from Korea University and Waseda Graduate School of Finance, Taejun started his career at Morgan Stanley, where he created financial models and risk management tools, both of which later became the global template for its real estate investment business. After 4 years at Morgan Stanley, Taejun joined Unison Capital, the largest private equity firm based in Japan. He managed several investment projects, one of which was awarded as Exit of the Year in Asia by Private Equity International. While working as an investment professional, Taejun founded Living in Peace ( LIP ) in 2007, and created the first microfinance investment fund in Japan s investment history in 2009 and made investments for MFIs. The NPO also created crowd funding donation platform for orphanages in Japan to improve living conditions of the children. Taejun cofounded Gojo in 2014 and has led the company management, investor relations and investment. Taejun has authored 8 books. His commentaries and interview articles appear most of the business magazines and newspapers in Japan. Taejun is the finisher of long-distance triathlon competition and 1648 km ultra-marathon. Taejun also holds the highest grade of Go, an Asian board game. He was selected as Global Shapers of the World Economic Forum. He is fluent in Japanese, Korean and English and at introductory level in Khmer.
5 Team solidarity is our key strength
6 Our Financial Service
7 Sejaya provides microcredits to its clients through well disciplined and sensible lending process Sejaya s Microcredit Loan Operation 1. Area selection 2. Promotion 3. Group formation What we do Staff visit the place and assess geographic accessibility and profile, business opportunity for the people, No. of households, No. of low income households etc. Sejaya staff ask local community leaders to convene a meeting to make advertisement Clients form groups, whose members should satisfy certain conditions How Sejaya is special compared with t he others Sejaya can hire branch managers and local staff who are familiar with the local community Rocket start of the business after opening the new branch Staff are well trained to make attractive presentations; many clients like Sejaya and thus introduce their neighbors to Sejaya Thanks to word-of-mouth promotion, low promotion costs needed to have new clients Conduct trainings before the group formation so that people can develop solidarity and knowledge of financial service The series of trainings enable us to face high recovery rate
8 Sejaya provides microcredits to its clients through well disciplined and sensible lending process Sejaya s Microcredit Loan Operation (continued) 4. Disbursement 5. Collection & Add-up 6. Next cycle What we do LKR 35,000 / 1 year loan for each member of the group Clients get together in the center meeting to repay the money In the second cycle, the clients can apply for LKR 75,000. Some clients with good business prospect are eligible for loan enhancement program. How Sejaya is special compared with t he others Disbursement policy (paying at the meeting, paying in front of the other clients, etc.) to strengthen solidarity, security and transparency Less fraud and skepticism among clients Monthly collection model with good group solidarity; CEO frequently visits the field to see the clients and field staff High number clients per credit executives (750+) and loan recovery rate (99.5%+) Gradual loan balance increase to let clients accustomed to the larger loan balance No delinquency and gradual improvement of profitability
9 A client making souvenir for foreigners All Sejaya loans are for income-generating activity.
10 A client making religious accessories
11 Center meeting
12 In the last 12 months, Sejaya has grown at a considerable pace and achieved break-even. 180, , , , ,000 80,000 60,000 40,000 20,000 - Loan Portfolio (LKR 000s) SME Loan Group Loan % 170,572 1, ,570 1,800 87,825 1, ,745 56,844 1, ,770 85,874 56,828 Dec '15 Mar '16 Jun '16 Sep '16 20,000 15,000 10,000 5,000 0 Revenue and Profit (LKR 000s) Total Revenue 16,951 Net Profit after TAX 12,116 8,574 5, % 1,043 2,794 (2,162) (695) Dec '15 Mar '16 Jun '16 Sep '16 10,000 9,000 8,000 7,000 6,000 5,000 4,000 3,000 2,000 1,000 Number of Active Clients SME Loan Group Loan % 7, , ,023 7, ,024 3,006 8, ,580 Number of Staff Other Field Staff 40 Credit Executives HO Staff Dec '15 Mar '16 Jun '16 Sep '16 0 Dec '15 Mar '16 Jun '16 Sep '16
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