<prompt> Translate the following text to SwahiliJapans high saving rate has been attributed to several factors including less access to consumer credit and cultural factors.  <response>: Kiwango cha juu cha akiba ya Japani kimesababishwa na sababu kadhaa ikiwa ni pamoja na upatikanaji mdogo wa mikopo ya watumiaji na sababu za kitamaduni. 