Collaboration with Chambers of Commerce and Industry, Societies of Commerce and Industry, and Environmental Health Trade Associations

Collaboration with Chambers of Commerce and Industry, and with Societies of Commerce and Industry

The Micro Unit works in close collaboration with regional Chambers of Commerce and Industry, and with Societies of Commerce and Industry throughout Japan to support business improvement of micro/small businesses such as through Managerial Improvement Loans (MARUKEI Loans) and consultation sessions.

Managerial Improvement Loans (MARUKEI Loans) are a program whereby micro/small businesses receiving management guidance, such as from Chambers of Commerce and Industry or Societies of Commerce and Industry, can utilize funds needed for managerial improvement without collateral or guarantors. Since the program was established in 1973, it has been accessed for approximately 4.84 million cases.

Structure of Managerial Improvement Loans (MARUKEI Loans)

Changes in Managerial Improvement Loans (MARUKEI Loans)

Holding of "One-Day JFC" Consultation Sessions at Chambers of Commerce and Industry and at Societies of Commerce and Industry

Consultation sessions called "One-Day JFCs," where staff from the Micro Unit consult on finance, are held at Chambers of Commerce and Industry and at Societies of Commerce and Industry. Every year, many micro/small businesses come to ask for advice.

Number of "One-Day JFCs" held at Chambers of Commerce and Industry and at Societies of Commerce and Industry

FY2010 FY2011 FY2012
2,866 2,792 3,021

Collaboration with Environmental Health Trade Associations and Environmental Health Business Guidance Centers

The Micro Unit works with such organizations as Environmental Health Trade Associations and Environmental Health Business Guidance Centers to support the maintenance and enhancement of the sanitation level of environmental health-related businesses. The majority of the borrowers of Environmental Health Business Loans are businesses with four or fewer employees. Approximately 80% are sole proprietorship, and approximately 50% have been in business for five years or less.

Collaboration with Environmental Health Trade Associations and Environmental Health Business Guidance Centers

Collaboration with Regional Financial Institutions

The Micro Unit is working to reinforce its collaboration with regional financial institutions working to strengthen their relationship banking mainly in the area of start-up support operations.

Number of Financial Institutions with which the Micro Business and Individual Unit has Executed Memorandum on Business Collaboration (As of end of March 2013)

  Large
commercial
banks
Regional
banks
Secondary
regional
banks
Credit
unions
Credit
cooperatives
Total
Number of financial
institutions (Total number
of institutions)
2
(5)
34
(65)
30
(41)
231
(270)
124
(157)
421
(538)

Collaboration with Environmental Health Trade Associations and Environmental Health Business Guidance Centers

back to top