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Prize-linked savings account
A prize-linked savings account or PLSA (also called a lottery-linked deposit account) is a savings account where some of the interest payment on bank deposits is distributed in larger amounts to fewer people according to a periodic lottery. They are attractive to consumers as they function both as a lottery (as there is a chance of a large prize) and as savings (the deposit is never lost unlike normal lotteries). PLSAs are similar to lottery bonds except they are offered by banks and can be held for a period of time determined by the consumer. Sometimes the returns are in-kind prizes rather than cash.
== Around the world ==
Prize-linked savings accounts have been offered in Argentina, Brazil, Colombia, Germany, Indonesia, Iran, Japan, Mexico, Oman, Pakistan, Spain, South Africa, Sri Lanka, Turkey, United Arab Emirates and Venezuela. In the United States, PLSAs are often illegal due to states laws which limit lottery activities to the state-sanctioned lottery.〔(【引用サイトリンク】 title=Could a Lottery Be the Answer to America’s Poor Savings Rate? )〕 PLSAs have been introduced into Michigan, Nebraska, North Carolina, and Washington.〔(【引用サイトリンク】 title=Save To Win )〕 Additionally, laws in Maryland and Rhode Island have been changed to allow PLSAs.〔(【引用サイトリンク】 title=PRIZE-LINKED SAVINGS ACCOUNTS )〕 In Iran, PLSAs are the most common form of savings account available to the public, as they are viewed to be in compliance with Islamic law which forbids one to earn guaranteed interest on assets. ''See Islamic banking''
抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』
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