▁year ▁were ▁inv ested ▁to ▁develop ▁further ▁land ▁or ▁saved ▁for ▁worse ▁years , ▁and ▁shared ▁by ▁members ▁of ▁the ▁community . ▁He ▁was ▁aware ▁that ▁developed ▁land ▁had ▁a ▁lower ▁tax ▁base ▁than ▁established ▁agricult ural ▁land , ▁and ▁he ▁was ▁ade pt ▁at ▁financial ▁management ▁which ▁he ▁applied ▁to ▁his ▁estate . ▁He ▁encourag ed ▁migr ants ▁from ▁other ▁est ates ▁and ▁reward ed ▁them ▁if ▁they ▁successfully ▁established ▁an ▁agricult ural ▁household . ▁ ▁He ▁started ▁his ▁own ▁financial ▁institutions ▁called ▁go jou kou ▁( 五 常 <0xE8> <0xAC> <0x9B> , ▁ ご じ ょ う こ う ), ▁which ▁appear ▁to ▁be ▁for er unn ers ▁of ▁credit ▁un ions . ▁Each ▁member ▁of ▁the ▁village ▁union ▁could ▁borrow ▁interest - free ▁funds ▁for ▁ 1 0 0 ▁days , ▁while ▁the ▁entire ▁membership ▁shared ▁the ▁cost ▁in ▁case ▁of ▁default . ▁The ▁combination ▁of ▁land ▁development , ▁imm igration , ▁and ▁commun al ▁fin ance ▁all ▁managed ▁under ▁the ▁dil igent ▁use ▁of ▁ab ac uses ▁was ▁a ▁success ▁and ▁became ▁the ▁standard ▁method ology ▁of ▁economic ▁development ▁in ▁fe ud al ▁Japan . ▁ ▁Popular ▁culture ▁It ▁is ▁not ▁un common ▁to ▁see ▁stat ues ▁of ▁Nin omi ya ▁in ▁or ▁in ▁front ▁of ▁Japanese ▁schools , ▁especially ▁elementary ▁schools . ▁Typ ically ▁they ▁show ▁him ▁as ▁a ▁boy ▁reading ▁a ▁book ▁while ▁walking ▁and ▁carrying ▁fire wood ▁on ▁his ▁back . ▁These ▁stat ues ▁dep ict ▁popular ▁stories ▁that ▁said ▁Nin omi ya ▁was ▁reading ▁and