"Sarah Gold" has been a peak, which has been in full for more than 100 years.What was in the background (photo provided by photo AC)
Sarah gold, which was the heyday until the 2000s. In fact, there were no days when I didn't see the name of the company through TV commercials and street corners. However, according to the establishment of the revised Money Lending Business Law, according to the enactment of the revised Money Lending Business Law, according to the enactment of the revised Money Lending Business Law, the "Sarah History" (Chuko Shinsho) has won the Suntory Gakuge Award. That said. Sarah gold has too high interest rates and a shady image, but Mr. Kojima says that it was true that there was a "strange situation" of replacing the poor safety net in reality. * * * * * * * From the 1990s to the 2000s, the name of consumer finance companies came to the eyes or ears every day. On TV, commercials are repeatedly washed away, and the town has flashy design advertisements and signs. Tissue distribution employees stood everywhere. At that time, there was almost no need to buy a pocket tissue, and it was enough from Sarah Kinjin. If you are a reader of a certain age, the scene of an urban area where Sarah gold can be seen may remain in one corner of your memory. The author, born in Tokyo in 1982, was wondering why there were so many consumer finance services on the path of commuting and school. However, when I asked a student born in the 21st century, she said she had never seen Sarah distributing a pocket tissue. Certainly, the opportunity to get tissues on the street has decreased dramatically. This is due to the strengthening of the self -regulation of advertisements by the Sarah gold industry and the decrease in tissue distribution personnel due to the increase in unmanned stores. The appearance of Sarah's gold employees who bowed their heads deeply and put out the pocket tissue and raised their voices, "Welcome!"
◆ What was the Sarah gold in December 2006, and the revised Money Lending Business Law, which was fully enforced in June 2010, had a huge impact on the Sarah Gold industry. The revision of this law clearly denied the difference between the statutory maximum interest rate (so -called gray zone interest rate) that existed between the Interest Restriction Law and the Investment Act, and the interest rate was reduced to a maximum of 20 % per year. In the past, interest rates paid too much in the past became widely known for being able to regain as "overpayment", and the management of each company has deteriorated significantly. Currently, the major companies, except Aiful, are under the umbrella of banks. The Japan Consumer Finance Association (JCFA), which was a member of major companies, was dissolved in 2014. Takefuji, the longest in the industry, has been bankrupt and has stopped returning the overpayment after the rehabilitation procedures in 2017 after many twists and turns. In the past, Sarah Kinko had bite the top of the corporate income ranking almost every year, and the founders of the founders were many in the high -priced taxpayer number. On the other hand, the users often fell into serious multiple debts, and a lot of people were driven into bankruptcy. What was Sarah, which produced a huge number of victims while being colored by gorgeous economic success? After rapid growth, why did you turn around and stagnate and stagnate?
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