Skill Lender Get Back His Pride

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Marge Siu, who possesses the unique skill [Skill Lender] , has contributed to an S-class party for many years by acquiring accurate skills and lending them to his party members. However, as Marge cannot fight on his own, his party treated him as a burden and banished him to the deepest part of the dungeon.

“Are you sure? If I am gone, then all of your skills will–”

“Having an incompetent like you is a liability. We’ll replace you with a first-rate guy, so just disappear.”

“……I see.”

It can’t be helped. I’ll take back the skills I lent to you guys, but…the interest rate is 10% every 10 days.

[Repayment processing started…completed. Skill points will begin to be collected at a rate of 116,144,339,696%]

The set of skills that was squeezed out of his former companions were returned to him at an ultra-high level. Marge conquers the S-class dungeon solo and begins a path of reversal and counterattack with the help of those who have watched his efforts up until now.

This is a story about a man who acquired many skills through hard work, and how he regains everything that was stolen from him and finds happiness.

Associated Names
One entry per line
"Gikō taiyo no torikaeshi ~ Toichi tte saisho ni itta yo na?~"
Recollection of the Skill Lender – I Told You This Loan Charges 10% Interest Every 10 Days, Right?
技巧貸与<スキル・レンダー>のとりかえし~トイチって最初に言ったよな?~
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Bolovis
Bolovis rated it
March 23, 2026
Status: c175
I was debating whether I should write a review of this novel or not.

I think it's obvious I decided to go ahead. But I'm still troubled over it.

Either way, let me give it a try.

... more>> This novel has a really simple premise. Both in terms of what happens and with whom.

The tale follows a young man who has a special power. His ability permits him to "lend" skills to other people.

It's certainly useful, but not for him. After all, he loses the skill that is lent and gets weaker, obviously.

Still, his usefulness gets him into a special party. A party known as one of, if not the best party, where all members have special, unique skills that turn them all into OP characters.

The problem is the useless weight, MC.

His weakness ends up holding back the party.

What do they decide to do? Left him to die at the door before the monstrous dungeon master of one of the strongest dungeons.

They told him he outlived his usefulness and that he is holding them back, so he should just stay out of the fight and die alone while they face the monster.

Problem is: they have the skills he lent to them, and they need to return them. But after so many years together, the skills had already become too powerful, so they would not lose much.

As they accept that the lending is over, they learn a troublesome characteristic of the "skill lending" skill. At the end of a week of lending, a fee is charged to the one who received the skill. Being that 10% of the number of points of the skills. And it is compounding. Meaning the percentage is always taken over the new number of points.

That means all party members have enormous debt, skill-wise, which is basically impossible for them to pay. Meaning that they need to pay back even more than they have, in the form of even their unique skills.

So MC goes from useless bum to OPest of the OPs that ever OPed, ever.

And we follow as he uses his newfound self-respect and power to follow his own path.

And that's it.

That's why I described the premise as "simple."

Many novels have similar premises. That the one kicked out of the party was basically the most important member, and all comes tumbling down with him forced to get out.

The only thing that one could say is more or less unique here is the skill lending part (considering that Unique Skills decided at random is not exactly unique to this novel, too).

Thinking about money lending in modern times, and how predatory it is, the application in an almost medieval setting and pertaining skills is very interesting. Money is regular in the sense that you lend it and need to pay more than you received. But skills are not exactly something simple. Do they have a number associated with them? If so, the lending process makes sense.

How does it work in the novel? The more you use the skill, the stronger it becomes.

Makes sense having a skill lender, no?

So, why was I so unsure about reviewing the novel then?

The thing is, the novel has many things happening, but not much at the same time.

As it is, similar to other plots, and how things go, even when there are many situations, you end up almost already knowing how things will go.

I would say that the best part is the midget demihumans part. Some of the things and the enemy's unique skill are interesting. Not that I would use that exact word, considering how heavy things get at one point in the story.

I would say that this novel shines when it shows different skills and how they work. But gets dull overall, as the MC, out of nowhere, becomes so broken in his OPness that he is completely unbeatable. What ends up forcing the author to come up with convoluted situations to justify him getting "surprised" or "almost losing". I would use the midget example here, but the elves work too.

Lastly. The last development, before the novel went into a hiatus (the last 3 to 4 chapters), is rather dull. It pertains to how skills came to be, and how "Skill Lending" specifically became so important to, well, it all.

I would say that the secret behind the dungeons and the relationship between the most powerful dungeons and the demihumans was more interesting than a secret of the world that pertains to skills.

But that could be only my taste.

Closing it up. I would say this novel is fine. I would recommend it if you like OP MCs that were wronged by their party and end up coming out on top. And you see the comeuppance of the party members, too.

But it ends up a little shallow overall. Unfortunately. <<less
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