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In page Jangmadang:

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Money lending and foreign currency exchange have appeared with growth of the markets.[citation needed] As banks do not really function in North Korea, but in name, the market stalls are used as the main platform for banking transactions.[6] Many people use foreign currency for their savings and those selling more valuable goods often use Chinese yuan. Taking a loan, to buy expensive goods such as bicycles, has become more common.[citation needed]