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| <Regarding operation > |
| Q1 |
How can I apply for cash advance? |
| A1 |
Applications can be submitted in the following ways: at branch offices, at automated loan-application machines,
over the Internet, by mobile phone, or by using our free call center. |
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| Q2 |
How do I make repayments? |
| A2 |
Repayments can be made in the following ways: at branch offices, at Takefuji ATMs, tie-up ATMs, through wiring service to bank accounts, through the Internet banking (except for a part of the Internet banking).
A fixed date within a three-day period from the customer's payday will be set for repayment each month. Please contact our Customer Relations Office if you have any questions or concerns. |
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| Q3 |
What are the characteristics of the benecere card? |
| A3 |
The benecere card has two main characteristics: First, we will issue and add points for the payment of interest. Accumulated points can be used to repay loans. Second, this card has a social contribution function;
each month we donate one yen from the interest received from customers to selected charities. This is at no cost to the customer. Grades of card, such as basic, gold, platinum, and black, improves as the customers' credit improves. |
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| Q4 |
Please explain your customer demographics. |
| A4 |
Of the total customers who applied for a new loan in a one-year period, from April 2009 to the end of March 2010, 77.5% was male and 22.5% was female.
33% of the customers was in their 20's and next to them, 25% was in their 30s. |
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| Q5 |
The full enforcement of the revised Money Lending Business Law took place in June 2010. What did it introduce? |
| A5 |
Key points in enforcement of Article 4 (Financial Services Agency's website) are as follows:
| (1) | Aggregate debt control |
| | If the outstanding loan balance exceeds 1/3 of a customer's annual income, the customer cannot further borrow money.
In principle, annual income certificate is required when borrowing money. |
| (2) | Reduction of interest rate cap |
| | Legal interest rate cap is lowered to 15 - 20%, depending on the loan amount, from 29.2%. |
| (3) | Enhancement of regulation on money lenders |
| | Money lenders must deploy Managers of money lending operation with national qualification at business operation sites. |
| As the aggregate debt control is introduced, money lenders are required confirm that the total borrowing from all lenders does not exceed 1/3 of the customer's annual income.
Your kind cooperation in submitting annual income certificate will be highly appreciated. |
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| <Regarding CSR & compliance> |
| Q6 |
Please explain the CSR of Takefuji. |
| A6 |
We believe that the idea of "a financial service that becomes a part of the lifestyle of the consumer" is true CSR management. The voices of customers, shareholders and investors are sent to our management to reflect in the business.
We are able to continue operation as a company thanks to the support by local communities. We work towards making positive contributions to society, such as the "clean up campaign" and the "guide dog promotion", as well as activities for the protection of the global environment, such as Cool Biz, Warm Biz, and forest preservation volunteers.
Information on CSR |
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| Q7 |
Please explain Takefuji's notion of compliance. |
| A7 |
To achieve corporate social responsibility, we recognize compliance (legal compliance) as one of the most important management issues. A committee including four experts from outside the company meets to discuss compliance issues in order to improve efficiency of our compliance system.
Starting June 2010, money lenders must deploy Managers of money lending operation with new national qualification at business operation sites to achieve even better compliance. At Takefuji, more than 1,300 people passed this exam and they are working to improve compliance at business operation sites. |
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| Q8 |
How has your Business Improvement Plan been progressing? |
| A8 |
We report the progress of our Business Improvement Plan, drafted in June 2008, to the Kanto Regional Bureau once every three months with regards to the Business Improvement Order. We have reexamined our principles, the organizational, training, and personnel evaluation systems, and we have strengthened internal audits and the actual conditions survey for improvement. |
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| <Regarding shareholders and investors> |
| Q9 |
Please explain the financial results for the fiscal year ended March 2010. |
| A9 |
In the fiscal year ended March 2010, expenses such as provisions for credit losses decreased because the outstanding balance of the direct cash loans to customers significantly decreased. While the operating income and ordinary income were larger than the forecast due to above reasons, the net income was smaller than the forecast because we recorded extraordinary losses related to asset sale for securing necessary funds for the near future.
For details, please refer to Presentation |
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| Q10 |
How does Takefuji carry out its dividend policy? |
| A10 |
As for the fiscal year ended March 2010, we plan 15 yen per share for interim dividends and 15 yen per share for the year-end dividends. Dividends for the fiscal year ending March 2011 is not decided. |
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| Q11 |
How many shares are the minimum trading unit? |
| A11 |
The minimum trading unit is 10 shares. |
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| Q12 |
When and where is Takefuji's General Annual Shareholders' Meeting held? |
| A12 |
Details of the 43rd General Annual Shareholders' Meeting is as follows:
| Date: | 10:00 am, Tue. June 29, 2010 |
| Place: | Bellsalle Shinjuku
6-13-1, Nishi-shinjuku, Shinjuku-ku, Tokyo Japan |
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| Q13 |
Do you offer a souvenir at the General Annual Shareholders' Meeting? |
| A13 |
A prepaid card worth about 1,000 yen is planned to be given. |
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