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capital and a growing market share in the consumer loan sector. Soon afterward, the company began to offer home-equity and small business loans. During the 1980s and up to the present day, the company has continued to expand by finding new investment opportunities, particularly real estate, engaging in mergers to increase its market share.
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as
Marutaka, Inc. and opened its first four branches to expand its consumer-finance business. The company continued to grow over the next five years and it acquired three small companies in the same business segment and renamed itself Aiful in 1983. These mergers gave the company over ¥90 million in
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The company has many techniques to promote repayment that some have viewed as unscrupulous, but have resulted in a low default rate for the bank. Additionally, the company has been charged by some individuals with exploiting the financial problems of some consumers by offering high-rate loans that
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In contrast with the more staid image of the more traditional banks, Aiful and other consumer finance companies attempt to have a livelier image. For example, the signs and logos of Aiful and its subsidiaries are often very colorful and eye-catching, seeking to draw passersby into loan outlets.
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In 2006 regulators in Japan ruled against the lending practices of the consumer finance sector and revised the maximum legal lending rate to 18.75% (down from a previous legal limit of 29%). Furthermore, this ruling enabled consumers to claim back the interest they have been overcharged from
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Today the company offers a wide range of consumer financial services, ranging from issuing credit cards to providing home equity loans. Additionally, the company provides small business loans and until recently operated a chain of
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Recent advertisement campaigns have featured
Chihuahua TV ads and special loans marketed towards women. Additionally, Aiful and other consumer finance companies often distribute packages of tissues at mass transit stations.
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On April 14, 2006, the FSA issued a business suspension order that forced Aiful to shut down domestic operations for three business days and in some areas up to 25 days.
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and has annual profits of close to ¥100 billion on over ¥2 trillion worth of loans (2005). The company had to restructure its debt after failing to make a loan payment.
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must be secured by collateral, often the individual's real estate. This may lead to loss of a consumer's home and has led to allegations that the company is a
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Please help update this article to reflect recent events or newly available information.
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578:"The Japanese Consumer Finance Market and its Institutional Changes since the 1980s"
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parlors and
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as a sole-proprietorship. In 1978, this small company was reformed in
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197:Learn how and when to remove this message
118:Relevant discussion may be found on the
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493:Aiful was established in April 1967 by
637:Financial services companies of Japan
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306:; 57 years ago
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617:Consumer loans for women
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124:improve this article
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419:Number of employees
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605:Aiful Corp.
548:Advertising
323:Shimogyō-ku
293:Predecessor
237:Native name
626:Categories
588:2024-06-06
565:References
531:loan shark
384:Net income
342:Key people
150:newspapers
85:April 2012
39:improve it
518:Criticism
351:President
267:Traded as
180:June 2024
120:talk page
45:talk page
476:Japanese
455:アイフル株式会社
283:Industry
243:アイフル株式会社
526:sarakin
508:karaoke
489:History
362:Revenue
311:1967-04
309: (
301:Founded
164:scholar
139:"Aiful"
75:updated
254:Public
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334:Japan
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171:JSTOR
157:books
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258:K.K.
143:news
468:TYO
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