question: Mutualism is an economic theory and anarchist school of thought that advocates a society where each person might possess a means of production, either individually or in purely ? collectives, with trade representing equivalent amounts of labor in the free market, integral to the scheme is the establishment of a mutual-credit bank, is a financial institution chartered by a central or regional government, without capital stock, that is owned by its members who subscribe to a common fund? 
answer: voluntary
context: Title: Physical capital
  Passage: In economics, physical capital or just capital is a factor of production (or input into the process of production), consisting of machinery, buildings, computers, and the like.  The production function takes the general form "Y"=f("K, L"), where "Y" is the amount of output produced, "K" is the amount of capital stock used and "L" is the amount of labor used.  In economic theory, physical capital is one of the three primary factors of production, also known as inputs in the production function.  The others are natural resources (including land), and labor—the stock of competences embodied in the labor force.  "Physical" is used to distinguish physical capital from human capital (a result of investment in the human agent), circulating capital, and financial capital.  "Physical capital" is fixed capital, any kind of real physical asset that is not used up in the production of a product.  Usually the value of "land" is not included in physical capital as it is not a reproducible product of human activity.
  Title: Mutualism (economic theory)
  Passage: Mutualism is an economic theory and anarchist school of thought that advocates a society where each person might possess a means of production, either individually or in purely voluntary collectives, with trade representing equivalent amounts of labor in the free market.  Integral to the scheme is the establishment of a mutual-credit bank that would lend to producers at a minimal interest rate, just high enough to cover administration.  Mutualism is based on a labor theory of value that holds that when labor or its product is sold, in exchange, it ought to receive goods or services embodying "the amount of labor necessary to produce an article of exactly similar and equal utility".  Mutualism originated from the writings of philosopher Pierre-Joseph Proudhon.
  Title: Mutual savings bank
  Passage: A mutual savings bank is a financial institution chartered by a central or regional government, without capital stock, that is owned by its members who subscribe to a common fund.  From this fund claims, loans, etc., are paid.  Profits after deductions are shared among the members.  The institution is intended to provide a safe place for individual members to save and to invest those savings in mortgages, loans, stocks, bonds and other securities and to share in any profits or losses that result.  The members own the business.
  Title: Bank run
  Passage: A bank run (also known as a run on the bank) occurs when in a fractional-reserve banking system (where banks normally only keep a small proportion of their assets as cash), a large number of customers withdraw cash from deposit accounts with a financial institution at the same time because they believe that the financial institution is, or might become, insolvent; and keep the cash or transfer it into other assets, such as government bonds, precious metals or gemstones.  When they transfer funds to another institution it may be characterised as a capital flight.  As a bank run progresses, it generates its own momentum: as more people withdraw cash, the likelihood of default increases, triggering further withdrawals.  This can destabilize the bank to the point where it runs out of cash and thus faces sudden bankruptcy.  To combat a bank run, a bank may limit how much cash each customer may withdraw, suspend withdrawals altogether, or promptly acquire more cash from other banks or from the central bank, besides other measures.
  Title: Financial history of the Dutch Republic
  Passage: The financial history of the Dutch Republic involves the interrelated development of financial institutions in the Dutch Republic.  The rapid economic development of the country after the Dutch Revolt in the years 1585 - 1620 accompanied by an equally rapid accumulation of a large fund of savings, created the need to invest those savings profitably.  The Dutch financial sector, both in its public and private components, came to provide a wide range of modern investment products beside the possibility of (re-)investment in trade and industry, and in infrastructure projects.  Such products were the public bonds, floated by the Dutch governments on a national, provincial, and municipal level; acceptance credit and commission trade; marine and other insurance products; and shares of publicly traded companies like the Dutch East India Company (VOC), and their derivatives.  Institutions like the Amsterdam stock exchange, the Bank of Amsterdam, and the merchant bankers helped to mediate this investment.  In the course of time the invested capital stock generated its own income stream that (because of the high propensity to save of the Dutch capitalists) caused the capital stock to assume enormous proportions.  As by the end of the 17th century structural problems in the Dutch economy precluded profitable investment of this capital in domestic Dutch sectors, the stream of investments was redirected more and more to investment abroad, both in sovereign debt and foreign stocks, bonds and infrastructure.  The Netherlands came to dominate the international capital market up to the crises of the end of the 18th century that caused the demise of the Dutch Republic.
citations: Mutual savings bank Mutualism (economic theory)