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- Sarakin abstract "Sarakin (サラ金) is a Japanese term for a legal moneylender who makes unsecured loans at high interest. It is a contraction of the Japanese words for salaryman and loan (kin'yu (金融)). An illegal loan shark who goes above legally permitted maximum interest rates is called Yamikin, short for Dark Finance (Yami Kinyu), and many of them lend at 10% for 10 days. Around 14 million people, or 10% of the Japanese population, have borrowed from a sarakin. In total, there are about 10,000 firms (down from 30,000 a decade ago); however, the top seven firms make up 70% of the market. The value of outstanding loans totals $100 billion. The biggest sarakin are publicly traded and often allied with big banks.Sarakin fill an important niche in Japanese society. Consumer and small-business lending has long been one of the weak points of the Japanese financial system. Although the economy has traditionally been bank-dominated, banks have preferred to lend to large firms with strong collateral (land and real estate) rather than to individuals or smaller firms. Banks' underdeveloped credit risk assessment techniques also restricted their entry into consumer and small-business financing. Thus, where consumer borrowing from a bank is considered shameful and often requires a guarantor, sarakin loans can be as little as $100, borrowers need identification but not collateral, and transactions at kiosks akin to automated teller machines take just a few minutes. Loan rates used to be as high as 29.2%, substantial given that official interest rates are near zero. After an outcry at the high levels of debt and the repayment tactics, a law in 2006 capped interest rates at 20% by 2010, and regulated collection methods. Loans were also not allowed to exceed one-third of an annual salary.".
- Sarakin thumbnail Sarakin,サラ金、消費者金融雑居ビル、北海道6170117.JPG?width=300.
- Sarakin wikiPageExternalLink w_gyokai.html.
- Sarakin wikiPageID "17605504".
- Sarakin wikiPageRevisionID "586715053".
- Sarakin hasPhotoCollection Sarakin.
- Sarakin subject Category:Banks_of_Japan.
- Sarakin subject Category:Economy_of_Japan.
- Sarakin subject Category:Japanese_business_terms.
- Sarakin type Abstraction100002137.
- Sarakin type BanksOfJapan.
- Sarakin type DepositoryFinancialInstitution108420278.
- Sarakin type FinancialInstitution108054721.
- Sarakin type Group100031264.
- Sarakin type Institution108053576.
- Sarakin type Organization108008335.
- Sarakin type SocialGroup107950920.
- Sarakin type YagoLegalActor.
- Sarakin type YagoLegalActorGeo.
- Sarakin type YagoPermanentlyLocatedEntity.
- Sarakin comment "Sarakin (サラ金) is a Japanese term for a legal moneylender who makes unsecured loans at high interest. It is a contraction of the Japanese words for salaryman and loan (kin'yu (金融)). An illegal loan shark who goes above legally permitted maximum interest rates is called Yamikin, short for Dark Finance (Yami Kinyu), and many of them lend at 10% for 10 days. Around 14 million people, or 10% of the Japanese population, have borrowed from a sarakin.".
- Sarakin label "Sarakin".
- Sarakin label "Sarakin".
- Sarakin label "消費者金融".
- Sarakin sameAs Pembiayaan_konsumen.
- Sarakin sameAs 消費者金融.
- Sarakin sameAs 소비자금융.
- Sarakin sameAs Sarakin.
- Sarakin sameAs m.046448n.
- Sarakin sameAs Q1039372.
- Sarakin sameAs Q1039372.
- Sarakin sameAs Sarakin.
- Sarakin wasDerivedFrom Sarakin?oldid=586715053.
- Sarakin depiction Sarakin,サラ金、消費者金融雑居ビル、北海道6170117.JPG.
- Sarakin isPrimaryTopicOf Sarakin.
