Chapter 213: 216

Chapter 216 - Market Price

"I hear you've taken up becoming a moneylender?"

"...... Was that a bad idea, Carlos-sama?

"Hmm, a knight's job is to govern the land. It's not about getting money to line your pockets in gold or to lend it to others. In that respect, it's not a good idea."

"But the loans have already started..."

"Yeah, I heard that. Well, that's fine. It's mainly for agricultural land development of each territory's land, right?"

"That is indeed the case. For now, we are going to ask the borrower to use the money to develop agricultural land, and then pay back the loan over a period of several years."

"I understand why this could be beneficial. However, if there are a lot of knights who are unable to pay back the money, my job as the Head of Fontana will get tougher. I will allow the business, but, at the very least, make sure you don't take it too far, Ars."

"Thank you for your advice, Carlos-sama. I am truly grateful!"

　I was wondering if he would oppose, but Carlos allowed Barca to continue the loaning business.

　But it seems that it is not a very knightly act.

　The thing I'm doing is not forbidden, but it's not desirable, I guess.

　However, even so, there is no choice but to do it because it is sure to be profitable.

　This is because the development of farmland is just a start.

　If the knights of Barca cast the [Leveling] and [Soil Improvement] in the knights' territory that we lent money to, the harvest of the following year will certainly increase.

　But that's the end of the big boom.

　In the following year, the increased harvest would decrease again.

　Of course, the fields that have been [Leveled] will be much easier to farm than before.

　In addition, it will be possible to expand the area of the fields themselves.

　However, the effects of [Soil Improvement] will not be carried over to the next year.

　The amount of crops harvested will increase dramatically in the land where Barca has been commissioned to work, but in order for that increase to become a stable, people will have to keep commissioning Barca to do the work.

　There is probably no option for them not to request repeatedly.

　At any rate, in the value system of this area, a territory is more important than anything else for a knight, and a territory is a place where wheat can be harvested, in other words, the amount of harvest is important for a knight.

　Once a bountiful harvest was in hand, there was no way a knight could give it up.

　Incidentally, this is also the reason why I set the repayment period for the loan to several years instead of the following year.

　If you pay back only a small amount in one year, you will feel as if you borrowed a small amount.

　However, there will definitely be money that you will have to pay back the next year and the year after that.

　And in order to pay back the money, you have to keep growing wheat.

　It's a continuous cycle.

　But there is a fatal flaw in this plan.

　If one only listens to this story, one may think that Barka can continue to make money forever.

　But in reality, this is not the case.

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　We would probably go bankrupt in the not-too-distant future.

　This is because the market price of wheat will fall.

　When the wheat harvest becomes much larger than it has been, the surplus can be sold for money.

　There is no doubt about it, but if many of the other knightly domains follow suit and increase their harvest, the market price of wheat sales will drop.

　It will probably be fine for a few years.

　But after that, the same weight of wheat will certainly be sold at a lower price.

　This means that even if you harvest a lot of wheat, the selling price will be low and you will not have more money in your pocket.

　This is why it was necessary to prepare a solution to this problem in advance.

　The solution was alcohol.

　More specifically, liquor, a distilled spirit that had never been made before.

　Distilled liquor is made from harvested barley and concentrated in a distiller.

　Making a single drop of liquor from a large amount of wheat should help to reduce the amount of wheat that is left over from the increased harvest.

　In other words, turning the wheat into liquor will prevent the unit price from falling due to a large amount of wheat being traded.

　If necessary, Barca can buy a lot of wheat and make the first few barrels of liquor in the beginning.

　We could monitor the market price of the wheat to make sure it doesn't fall, and then turn the necessary amount into alcohol and sell it.

　It probably won't fail.

　If we make it that far, many of the knights in the Fontana territory will probably have borrowed money from Barca.

　They would also have seen the sales of liquor and how they could profit off of the extra wheat. After that, Barca could teach the knights how to make alcohol and just solely have the job of improving the soil every year. The market price wouldn't fall, and a new source of income for the knights would also appear.

"Hey, are you listening to me?"

"Ah, what is it, Carlos-sama?"

"Have you been thinking about something nefarious, my friend? Once again, I don't mind if you lend money to other knights. But don't forget to spend the money you get back."

"Spend money? I've always thought that Barca was quite a spendthrift though?"

"No, most of the money you're spending is for the Familiar Eggs you use. However, those things aren't always made in the Fontana Territory. You should buy the goods that other knights make in their territories. If you don't, there will be no money circulating here."

"I see. Most of the money I earn goes to pay for the eggs or the church. However, is there any place that makes goods that Barca would buy?"

"You'll have to find out for yourself. You should talk more with other knights. Even if it's for business, if you have a regular relationship with other knights, you'll be more inclined to talk to them when you have a problem. Besides, a sole producer-consumer relationship could create disagreements. Having good relations makes it easier to discuss through those."

"Of course, Carlos-sama, I always prefer to solve problems through discussion."

"If you say so, then actually do it. Okay?"

　I was confronted with a good argument by Carlos.

　Well, it's true that if the relationship is only about lending and borrowing money, it might be a problem between knights.

　But how many products from other parts of Fontana would be useful for Barca to buy?

　I had to do some homework for Carlos.

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