Nipponica

Hiroyuki Goto ventured into what appeared to be a high-risk business nearly two decades ago when, at the age of 28, he started providing rent guarantees for foreign nationals living in Japan.

Goto's experience suggested that the actual risk of backing a foreign resident might not be unusually high, and he thought that renting a place should not be an obstacle for people coming to Japan. More broadly, he felt it was inevitable that the country would have to accept more foreign workers due to depopulation.

So, he started GTN.

This is one of many areas that make starting a life in Japan so difficult. GTN was the only company that would allow me to open a credit card when I first came here to work and that allowed me to build up my personal infrastructure. This guy is a saint.