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. The main advantage of credit unions consists in transparency, controllability, governance for shareholders. In some cases, the initiators of credit unions can be trade unions, associations such as social support centers and others. Credit unions base their activities on savings of shareholders, their shares and savings contributions, which make up the fund of mutual financial assistance - a source of cash loans to shareholders.