Fortunately, I did very well and, when the debt was paid off, my wife and I were overjoyed. That was an absolutely unforgettable experience. Shinkin banks Shinkin banks are operated in accordance with the Shinkin Bank Law, which restricts their sales areas. Membership is open to those who live or have a business in the sales areas. The institutions must have fewer than 300 employees or less than 900 million yen in capital.
Loans are, in principle, restricted to members.
Shinkin banks are supervised by the Financial Supervisory Agency. A total of 396 shinkin banks were in operation as of April.