1. Mutual fund: Members pay a certain amount of money every month to help other members get financial support in difficult times, such as medical expenses and funeral expenses.

2.* * * Joint savings: members pay a certain amount of savings every month to form a pool of funds, which can be used for emergency fund needs of individual members or groups.

3. Mutual insurance: Members provide mutual protection by paying certain mutual insurance premiums. When members have accidents, diseases or other risks, they can get some economic compensation from the mutual fund.

4. Group lending: members * * * form a lending group to issue small loans according to the agreed rules and conditions. This can avoid the high interest rate and complicated loan procedures that may be faced when borrowing from traditional financial institutions.