[2] JFC is a policy based financial institution whose co-function is the provision of business loans to SMEs and business start-ups; and educational loans to individuals for school entrance fees and related expenses.

This led to the separation of the Japan Bank for International Cooperation (JBIC) from JFC.

It is estimated that 77,000 jobs were created and 110,000 educational loans are issued annually as a result of the Micro Unit.

[8] Recognizing that SMEs play a key economic role in the Japanese economy, this unit assists in the development and growth of SMEs through the provision of financial support in the form of loans and credit insurance.

[1] JFC is governed by a five-person board of directors with Koichi Hosokawa as the Governor and Chief Executive.