የፍቃደኝነትቁጠባ
የፍቃደኝነትቁጠባማለትየተሻለየቁጠባወለድየሚያስገኝሆኖማንኛውምየሕብረተሰብክፍልወይምየተቋሙአባልየሆኑግለሰቦችየሚፈልጉትንየገንዘብመጠንበራሳቸውፍላጎትየሚቆጥቡትየቁጠባአይነትነው፡፡የፍቃደኛቆጣቢደንበኞችካለምንምቅድመሁኔታየቆጠቡትንገንዘብማውጣትይችላሉ፡፡ የተቋሙየብድርተጠቃሚያልሆኑግለሰቦችወይምየህብረተሰብክፍሎችየሚፈልጉትንየገንዘብመጠንበፍላጐትየሚያስቀምጡትናካለምንምቅድመሁኔታወጪአድርገውየሚጠቀሙበትየቁጠባዓይነትነው፡፡
Voluntary Savings
Voluntary savings is a type of savings in which any group of people or individuals who are members of the institution or not save the amount of money they need on their own, while earning better savings interest. Voluntary savers can withdraw their savings unconditionally. It is a type of savings in which individuals or members of the society who are not loan beneficiaries of the institution save the amount of money they need and use it as an expense without any conditions.