Consequently, temples other than those of the Zen sect began to lend money as a way to manage surplus funds as well as Shidosen, and in the early Muromachi period, temples were operating similar to for-profit financial institutions.
このため、禅宗以外の寺院を含めて本来の祠堂銭だけではなく、余剰資金の運営手段として貸付を行うようになり、室町時代に入る頃には寺院は営利目的の金融業と同じようになっていった。