To reduce the risk of default on loans members of the credit union shall the joint guarantee. Contributions from of shareholders in credit unions in no way can be considered as borrowed funds, they come from the shareholders and for the shareholders and can not be used to provide services to third parties. In some cases, the initiators of credit unions can be trade unions, associations such as social support centers and others. A potential new member of a credit union must submit a recommendation of shareholders in which the referee becomes a warrant of a future member of the credit union.