信用金庫 (Shin'yō Kinko) are cooperative financial institutions in Japan that primarily serve local communities. They provide various banking services, including savings accounts, loans, and investment options, focusing on supporting small businesses and individuals. Established to promote regional economic development, these institutions operate on a non-profit basis. Members of a 信用金庫 can benefit from lower fees and better interest rates compared to traditional banks. They are governed by their members, who have a say in decision-making processes. This structure fosters a sense of community and encourages local investment, contributing to the overall economic health of the area.