Nozomi works at the Niko Niko Shinkin Bank, whose motto is "close to the community." One day, she meets her classmate Manjiro, who has opened a massage parlor, and recommends that he renovate it with a loan from the Shinkin Bank. She then asks Yoshimura, an interior decorator and client, to do the renovation, but Manjiro doesn't pay for the renovation, and Yoshimura's business falls into difficulties. Nozomi then takes out bad debt from Manjiro, and fails to get a loan. Her boss holds her responsible, and she is asked to pay for it with her body...