is one of Japan's largest consumer loan companies, or sarakin

Sarakin

is a Japanese term for a legal moneylender who makes unsecured loans at high interest. It is a contraction of the Japanese words for salaryman and loan...

. The name "Acom" stands for Affection, Confidence and Moderation. The company was founded by Masao Kinoshita

Masao Kinoshita

was the founder of Acom, a major consumer loan company in Japan. Kyosuke Kinoshita, the current chairman of the company, is his eldest son. Kinoshita was a native of Akashi, Hyogo.-External links:*...

, who was later replaced by his eldest son Kyosuke Kinoshita

Kyosuke Kinoshita

is the chairman of Acom Co., Ltd., a major consumer loan company in Japan. He is the eldest son of Masao Kinoshita, founder ofAcom.- External links :* *...

, the current chairman of the company. In addition to providing loans, Acom issues credit card

Credit card

A credit card is a small plastic card issued to users as a system of payment. It allows its holder to buy goods and services based on the holder's promise to pay for these goods and services...

s.

At the end of 2008, Mitsubishi UFJ obtained control of more than 40% of Acom stock and Acom became a consolidated subsidiary of MUFG.

Ownership Structure (as of April 2009)

The founders (Maruito/Kinoshita) control about 40% of the shares, another 40% are controlled by MUFG. The company stock is thus very tightly held.

Entity	percentage of total shares
Mitsubishi UFJ Financial Group, Inc.	36.88%
Maruito Shokusan Co., Ltd.	17.13 %
Maruito Co., Ltd.	7.86%
Kinoshita Memorial Foundation	5.77%
Japan Trustee Services Bank, Ltd.	2.49%
Maruito Shoten Co., Ltd.	2.42%
Kyosuke Kinoshita	2.02%
Shigeyoshi Kinoshita	2.01%
Mitsubishi UFJ Trust and Banking	1.97%
NOBUKA CO., LTD.	1.87%