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pawnbroker
A pawnbroker is an individual or business (pawnshop or pawn shop) that offers secured loans to people, with items of personal property used as collateral. The word ''pawn'' is derived from the Latin ', for pledge, and the items having been ''pawned'' to the broker are themselves called ''pledges'' or ''pawns'', or simply the collateral.
If an item is pawned for a loan (colloquially, "hocked"), within a certain contractual period of time the pawner may redeem it for the amount of the loan plus some agreed-upon amount for interest. The amount of time, and rate of interest, is governed by law or by the pawnbroker's policies. If the loan is not paid (or extended, if applicable) within the time period, the pawned item will be offered for sale by the pawnbroker. Unlike other lenders, the pawnbroker does not report the defaulted loan on the customer's credit report, since the pawnbroker has physical possession of the item and may recoup the loan value through outright sale of the item. The pawnbroker also sells items that have been sold outright to them by customers.
==Business model==
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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