Again this is simply wrong. Non-bank financial institutions may only lend what they own or borrow. Also, you seem to be unaware of the fact that some countries impose no reserve requirements on banks, e.g. Canada and Australia. Their banks only need to hold clearing balances as required to service their activities on a daily basis. And if they fall short, the central bank automatically lends them the funds at a penalty rate.
Loans increase effective demand.
The repayment of loans decrease the rate of spending. Money can be defined in the broad sense to be any form of IOU, i.e. promise to pay, whether in legal tender or not. The quantity of credit money, however, is not a controllable or useful measure, as central banks have come to learn. The pawnshop owner does not do it alone, of course. This is such a semantically imprecise expression, I suggest you get rid of it.