Typically, donor contributions to the credit unions are targeted and used in the same statutory requirements and restrictions as the Mutual Financial Aid fund as a whole. Members of credit unions place in credit unions usually free fund balances, ie those that remain after expenses devoted to education of children, the acquisition of new properties, additional pension benefits, etc. The value of credit unions is not limited to the role of the economic agent - they are an important element of the social structure and a factor of social stability and progress. In the UK, credit unions are a source of financing of people groups. This tool is not widely used.