My husband's cousin opened a pawnshop in the city. The capital was so big that we didn't think they would earn. Besides, the cousin had to attend gemology courses to fully understand the nature of the business. In one year's time, the business was flourishing and the profitability is evident in the cars that they bought. Simple. The pawnshop charges a rate of 5% interest for the money you borrowed, that's monthly, aside from the service charge. And to think that if you cannot pay then the pawnshop forfeits your collateral. It's really a great business.