These are deposits/savings accumulated by members which may be used as collateral against loans. Depending on the type, amounts contributed determine a member loan multiplier and eligibility.
The deposits are only non-withdrawable to the extent that the member has outstanding loan or guarantorship obligations. They are refunded only when a member withdraws their membership and has fully repaid all his debts and is free from guarantee.
Bandari Sacco operates the following non-withdrawable deposits: