"Old man, I need to talk to you for a second"
"Hmm, what's up, kid?
"I've come up with a new way to make money, I just wanted to ask you a lot"
"Oh, did you come up with something new again? Wait a minute, let me hear more, kid."
"Oh, it's not like it's a new product. I thought I'd lend you some money."
"... what?
"I lend you money. Put interest on the people who need money."
"... boy, don't they hate lending money? Do you understand that?
"Well, I guess so, but it's not like he's not here, is it? Do they resent the money lenders that much?
"That would be so. They insist on loaning the money and paying it back with a horrible interest rate. Naturally, there are a lot of people who won't be able to pay. There's a whole bunch of stories about him being stripped of his body and even his ass haired."
"Shh, that's intelligent. You haven't decided on a ceiling on interest rates or something?
"There's an approximate market, but it's not exactly decided. But all of them will have debts swelling up to the snowman ceremony. Well, that's not bad. If you lend it, you'll have to collect it."
"Hmm, that sounds like a bad financial statement. Ma, let's just put that away. It's not the common people I'm thinking of as the target of a loan. They're knights, old man."
"Knight? You lend money to a knight?
"That's right. I heard when I was talking to Lord Peacha that, surprisingly, knights with knightly territory also have trouble with funding. Aim there."
"Wait a minute, kid. You're not going to lend me money and wind up the land to target knights with knighthood. That really leads to rubbing, doesn't it?
"Hmm, that may be the case, but I guess it's a little different. There is no need to set high interest rates. One way or the other, I want to lend you some money to make sure I can collect it."
"... I don't know, what do you mean?
"Well, I don't know for sure if this will work because I'm not familiar with it either. Listen to me for a second."
That's how I start talking to my old man.
The new way I thought about making money was lending money to get interest, the so-called money lender.
The aim, as I was asking Peacha, is the knights with territorial possessions who seem to have no cash.
In more detail, even among the knights with territory, the ones willing to take my farmland development will be targeted.
In Fontana, where there is only poor agricultural technology, my [landscaping] and [soil improvement] will mean an agricultural method that draws a line from the previous harvest.
I sent people to the land that I had been asked to reform since last year.
And the effect was solid in previous years.
Even around Fort Einrad, where Peacha is located, there is so much yield that manual grain shedding can't keep up.
Hearing that story, there are indeed knights who want to develop Barca's farmland into their own territory as well.
But it's also true that it costs money to ask for it and that some people are anxious about how to pay cash for it.
That's why I targeted those guys.
Here's how to do it.
For once, I lend money to the knight.
And use that money to get people to ask for farmland development jobs.
Repayment of borrowed gold shall be taken from the sales of wheat harvested the following year.
Without all the weather irregularities, we should be able to recover the money without any problems.
It would then mean lending gold by hitting on future yield increases.
Normally it may be a dangerous act, but I'm pretty sure the yield itself will increase first.
Besides, you wouldn't even have to make it that much of an acorn rate by deciding how to repay it in the future.
Wouldn't it make it easier to ask for a job if it were to be a relatively conscientious interest setting, just for the amount of money you never borrow from another gold lender?
What's more, this can also be a diplomatic tool for me against other knights.
Barca is an emerging force that has suddenly emerged at the head, taking its current position with all its strength.
If I tell you, I have power but I have a pretty low level of credibility.
Getting rid of that situation would be difficult in a lifetime.
If so, I'm going to use the power of money quickly.
Lending money to other knights and owning that claim would also mean that at least this one is in a better position.
Right.
At any rate, instead of a plan like paying back in a year, you might want to take a few years to make it a repayment mechanism and put it in the direction of staying with you for a long time.
Actually, I've had this idea before.
But the Barca Knights' finances themselves left a red light on, so they couldn't even lend money.
But last year's battle with both the Urk Arborest families brought about changes in Barca's finances.
When I asked Carlos for money as a reward for my work back then, I got a lot of money from Carlos as a reward.
Actually, Carlos can be quite rich, too.
Now everything in the network of roads created to stretch through the Fontana realm leads to the city of Fontana.
You will also pass through the city of Fontana to get to Barca, my territory.
As a result, the city of Fontana boils down to an unprecedented boom as the economic centre of Fontana territory.
And that will probably continue beyond this year.
After all, it's only recently that all the knights of each knighthood have moved to the city of Fontana with every family.
The reward from such a rich Carlos remains firm even after he finishes paying the church.
As usual, money is being spent on research into servant beasts, but other new commodities are increasing in Barca and the finances are stable.
This is the best time to lend money.
In this way, I was supposed to consult with the old man and others and start Barca Finance.