As the name implies, it is a voluntary saving, not for access to loans but for the sake of saving. These are not an obligatory part of accessing credit services. They are provided by both the borrowers and non-borrowers who can deposit or withdrawal according to their needs. The voluntary savings are best fit for people who don’t receive constant cashflow like farmers, traders and other self-employed persons who get incomes when they sell off their product or receive contract proceeds. They can make voluntary saving during harvest time, receipt of contract payment and transfer monthly to their compulsory saving accounts. Members can save the full amount for the coming year’s compulsory savings in advance with the society by depositing 12 months worth of saving in a voluntary account. Following that, the member can give a standing order instruction to Coopital Cooperative for each month on the appropriate day to withdraw the amount of one month’s compulsory saving from the voluntary saving account and deposit it in the compulsory saving account. This maintains the fundamental function of the cooperative and allows individuals with seasonal incomes to be members. This ensures a regular flow of cash to the Coopital Cooperative society and promotes members participation. This kind of saving can be withdrawn at any time when the owner needs it. Coopital Cooperative society may or may not provide saving interest for this voluntary savings. Members are highly advised to save on voluntary saving for small capital investment into their businesses. All that is needed is to save towards whatever goal a member has set for him/herself. This type of savings may earn interest but not eligible for dividend payment.