The often controversial Japanese Pear Loan system has come under scrutiny once again as issues related to divorce and resignation pose potential risks. The Pear Loan, a practice that is extensive in Japan, has been linked to various economic hardships following life-altering occurrences such as divorce and job resignation. Economists and financial institutions are currently exploring ways to mitigate these devastating consequences and make the system more resilient.

In Japan, the Pear Loan system is widely used, but with its negatives starting to overshadow its benefits, many Japanese citizens have expressed anxiety and concern. The social value of stability, both in marriage and employment, is deeply entrenched in Japanese society, and disturbances in these areas can have significant economic implications, especially with the Pear Loan system.

In the US or EU, individual lending practices differ and are generally less reliant on personal relationships, thus less impacted by life circumstances such as divorce or job changes. There tends to be a higher emphasis on creditworthiness and the ability to repay, assessed through individual incomes, credit score, and other financial factors.