# 小規模企業共済法 / Small Enterprise Mutual Relief Projects Act — 第十六条の三 (Article 16-3) This is the Markdown twin of https://japanlaw.org/ja/small-enterprise-mutual-aid-act/art-16-3. Every law, and how to address a provision: https://japanlaw.org/llms.txt. The same laws as MCP tools (no sign-in): https://japanlaw.org/mcp. - Law: 小規模企業共済法 (Small Enterprise Mutual Relief Projects Act), 昭和四十年法律第百二号 - English title "Small Enterprise Mutual Relief Projects Act": Ministry of Justice translation database, which lists the title - Kind: Act — the distinction between 法律 (Act), 政令 (Cabinet Order), 省令 (Ministerial Order) and 条例 (local ordinance) decides who may issue it and what it may say. - Provision: 第十六条の三 (Article 16-3) — address `art-16-3` - Text in force since: 2021-06-17 - URL (the page that opens at this provision): https://japanlaw.org/ja/small-enterprise-mutual-aid-act/art-16-3 - e-Gov law ID: 340AC0000000102 — never renamed. A permanent link, `/l/{lawId}/{address}` on this site, redirects to the page. - Every provision below carries its address and its URL on the line under it. - Japanese text: e-Gov 法令検索, Digital Agency (デジタル庁). English: as marked on each line below. Only the Japanese as published by the government has legal effect; the text below is a copy of it. Every English rendering below is a translation and says which kind: the Ministry of Justice's translation, or this site's machine translation, whose model and date the Sources list names. They are never merged and never substituted for one another. --- ### 第十六条の三 art-16-3 · https://japanlaw.org/ja/small-enterprise-mutual-aid-act/art-16-3 **第一項** 機構が機構法第十五条第二項第八号の規定による共済契約者又は共済契約者であつた者に対する貸付けを行つた場合において、その貸付けに係る貸付金の弁済期後経済産業省令で定める期間を経過した後なお弁済を受けるべき貸付金又は利子があるときは、機構は、その共済契約者又は共済契約者であつた者の納付に係る掛金区分のうちその区分に係る掛金納付月数の最も少ないものから順次当該掛金区分に係る納付された掛金を取り崩し、その貸付金又は利子の弁済に充てることができる。 art-16-3/par-1 · https://japanlaw.org/ja/small-enterprise-mutual-aid-act/art-16-3/par-1 Where the Organization has made a loan to a mutual aid policyholder or former mutual aid policyholder under Article 15, paragraph (2), item (viii) of the Act on the Organization for Small & Medium Enterprises and Regional Innovation, Japan, Independent Administrative Agency, and there is still loan principal or interest to be repaid after the lapse of a period specified by Order of the Ministry of Economy, Trade and Industry after the due date for repayment of that loan, the Organization may, beginning with the premium unit with the smallest number of months of paid premiums among the premium units concerning the premiums paid by that mutual aid policyholder or former mutual aid policyholder, successively draw down the premiums paid for that premium unit and apply them to repayment of that loan principal or interest. machine translation, not official **第二項** 前項の規定により掛金が取り崩されたためその掛金納付月数が減少した共済契約者又は共済契約者であつた者に関する第九条第一項及び第十二条第一項の規定の適用については、その掛金納付月数は、減少しなかつたものとみなす。 art-16-3/par-2 · https://japanlaw.org/ja/small-enterprise-mutual-aid-act/art-16-3/par-2 For the purpose of applying Article 9, paragraph (1) and Article 12, paragraph (1) to a mutual aid policyholder or former mutual aid policyholder whose number of months of paid premiums has decreased because premiums were drawn down pursuant to the provisions of the preceding paragraph, that number of months of paid premiums is deemed not to have decreased. machine translation, not official --- ## Cites - art-16-3/par-1: 機構法第十五条第二項第八号 → e-Gov law 414AC0000000147, 第十五条第二項第八号 (Article 15, paragraph (2), item (viii)), art-15/par-2/item-8 — not held in this collection - art-16-3/par-2: 前項 → 小規模企業共済法 第十六条の三第一項 (Article 16-3, paragraph (1)), art-16-3/par-1 — https://japanlaw.org/ja/small-enterprise-mutual-aid-act/art-16-3/par-1 - art-16-3/par-2: 第九条第一項 → 小規模企業共済法 第九条第一項 (Article 9, paragraph (1)), art-9/par-1 — https://japanlaw.org/ja/small-enterprise-mutual-aid-act/art-9/par-1 - art-16-3/par-2: 第十二条第一項 → 小規模企業共済法 第十二条第一項 (Article 12, paragraph (1)), art-12/par-1 — https://japanlaw.org/ja/small-enterprise-mutual-aid-act/art-12/par-1 ## Cited by 2 provisions cite this one. No official source publishes this direction. - 小規模企業共済法 第十六条の三第二項 — https://japanlaw.org/ja/small-enterprise-mutual-aid-act/art-16-3/par-2 - 小規模企業共済法 第二十一条第二項（先取特権） — https://japanlaw.org/ja/small-enterprise-mutual-aid-act/art-21/par-2 --- ## Sources - e-Gov 法令検索, Digital Agency (デジタル庁) — 小規模企業共済法 — the text in force from 2021-06-17 (https://laws.e-gov.go.jp/law/340AC0000000102/20210617_503AC0000000070), retrieved 2026-11-06 - Japanese Law Translation Database System, Ministry of Justice (法務省) — 小規模企業共済法 — its English title as the Ministry of Justice's translation database lists it (https://www.japaneselawtranslation.go.jp/en/laws/view/846), retrieved 2026-09-18 - claude-sonnet-5-5 — Machine translation, batch small-enterprise-mutual-aid-act-20261106T173426-004, translated 2026-11-07 - This site's parser, version 225 — 小規模企業共済法 — structure, counts, cross-references and defined terms, computed 2026-11-06