Muninova Holdings Inc is a Japan-based holding company that manages the business operations of group companies engaged in consumer finance and credit card businesses. It engages in finance and other businesses. Finance business operates loans, credit, credit guarantee, debt management and collection, deferred payment settlement and electronic money businesses. Loan business includes consumer finance business and business finance business. Credit business includes comprehensive credit purchase intermediation business and an individual credit purchase intermediation business. Credit guarantee business provides credit guarantees for loans. Debt management and collection business provides management and collection of various debts. Deferred payment settlement business provides deferred payment services. Electronic money business provides prepaid electronic money settlement services. It also operates venture capital, rent guarantee and small-amount short-term insurance businesses.