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? 

full_context: Document 1: Mutual savings bank: 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.
Document 2: Property is theft!: Property is theft! (French: "La propriété, c'est le vol!" ) is a slogan coined by French anarchist Pierre-Joseph Proudhon in his 1840 book "What is Property? Or, an Inquiry into the Principle of Right and of Government".
Document 3: Associative economics: Associative economics is a term used variously by different people around the world. For some of these the work of Austrian philosopher and social thinker Rudolf Steiner is a reference. Steiner gave a course of lectures in 1922 in which he set out his view that with the advent of global economy, the science of economics would need to take a further step, which included an elaboration of the economic process, a more precise monetary analysis, and a clearer understanding of how, through the division of labour, the associative basis of economic life becomes apparent. "Associative economics" emphasizes the development of conscious coordination of producers, distributors, and consumers. It understands the global economy as a single unified domain, through which human beings meet one another's needs. It is called "associative economics" because its goal is an economic sector which is managed by associations of business corporations (industry associations) and consumer associations instead of by the Invisible Hand of the blind market (capitalist economics) and instead of by the government (socialist economics).
Document 4: What Is Property?: What Is Property?: or, An Inquiry into the Principle of Right and of Government (French: "Qu'est-ce que la propriété ? ou Recherche sur le principe du Droit et du Gouvernement" ) is a work of nonfiction on the concept of property and its relation to anarchist philosophy by the French anarchist and mutualist Pierre-Joseph Proudhon, first published in 1840. In the book, Proudhon most famously declared that "property is theft".
Document 5: Building society: A building society is a financial institution owned by its members as a mutual organization. Building societies offer banking and related financial services, especially savings and mortgage lending. Building societies exist in the United Kingdom (UK), and used to exist in Ireland and several Commonwealth countries. They are similar to credit unions in organisation, though few enforce a common bond. However, rather than promoting thrift and offering unsecured and business loans, the purpose of a building society is to provide home mortgages to members. Borrowers and depositors are society members, setting policy and appointing directors on a one-member, one-vote basis. Building societies often provide other retail banking services, such as current accounts, credit cards and personal loans. The term "building society" first arose in the 18th century in Great Britain from cooperative savings groups.
Document 6: Mutual insurance: A mutual insurance company is an insurance company owned entirely by its policyholders. Any profits earned by a mutual insurance company are either retained within the company or rebated to policyholders in the form of dividend distributions or reduced future premiums. In contrast, a stock insurance company is owned by investors who have purchased company stock; any profits generated by a stock insurance company are distributed to the investors without necessarily benefiting the policyholders.
Document 7: Mutualism (economic theory): 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.
Document 8: Social credit: Social credit is an interdisciplinary distributive philosophy developed by C. H. Douglas (1879–1952), a British engineer, who published a book by that name in 1924. It encompasses economics, political science, history, and accounting. Its policies are designed, according to Douglas, to disperse economic and political power to individuals. Douglas wrote, "Systems were made for men, and not men for systems, and the interest of man which is self-development, is above all systems, whether theological, political or economic." Douglas said that Social Crediters want to build a new civilization based upon "absolute economic security" for the individual, where "they shall sit every man under his vine and under his fig tree; and none shall make them afraid." In his words, "what we really demand of existence is not that we shall be put into somebody else's Utopia, but we shall be put in a position to construct a Utopia of our own."
Document 9: Mutual organization: A mutual, mutual organization, or mutual society is an organization (which is often, but not always, a company or business) based on the principle of mutuality. Unlike a true cooperative, members usually do not contribute to the capital of the company by direct investment, but derive their right to profits and votes through their customer relationship. A mutual organization or society is often simply referred to as "a mutual".
Document 10: Federal savings association: Federal savings associations (also called "federal thrifts" or "federal Savings Banks"), in the United States, are institutions chartered by the Office of Thrift Supervision which is now administered by Office of the Comptroller of the Currency after the agencies merged. Institutions chartered by the OTS are still regulated according to the rules and regulations of Federal Savings Banks. Mortgages issued by Federal Savings Banks are pursuant to the provisions of the Home Owners' Loan Act, a U.S. federal statute. Although the activities of federal thrifts were once confined primarily to taking deposits from consumers and making residential mortgage loans, federal thrifts are now authorized to offer a wide range of financial products and services.
Document 11: Pierre-Joseph Proudhon: Pierre-Joseph Proudhon (] ; 15 January 1809 – 19 January 1865) was a French politician and the founder of mutualist philosophy. He was the first person to declare himself an anarchist and is widely regarded as one of the ideology's most influential theorists. Proudhon is even considered by many to be the "father of anarchism". He became a member of the French Parliament after the revolution of 1848, whereafter he referred to himself as a federalist.
Document 12: Demutualization: Demutualization is the process by which a customer-owned mutual organization ("mutual") or co-operative changes legal form to a joint stock company. It is sometimes called stocking or privatization. As part of the demutualization process, members of a mutual usually receive a "windfall" payout, in the form of shares in the successor company, a cash payment, or a mixture of both. Mutualization or mutualisation is the opposite process, wherein a shareholder-owned company is converted into a mutual organization, typically through takeover by an existing mutual organization. Furthermore, re-mutualization depicts the process of aligning or refreshing the interest and objectives of the members of the mutual society.
Document 13: Mutual liberty: Mutual liberty is an idea first coined by Alexis de Tocqueville in his 1835 work "Democracy in America". In effect, Tocqueville was referring to the general nature of American society during the 19th century. It appeared to him, at least on the surface, that every citizen in the United States had the opportunity to participate in the civic activities of the country. Another way to look at mutual liberty is by accounting for the collective free wills of every rational being in a community. Even though the notion of mutual liberty was introduced by Tocqueville, it was John Stuart Mill who greatly expanded it. Mill believed that the most proper occasion for mutual liberty was in a community governed by the consent of the governed, i.e., a republic. And according to Mill, it is only in a republic where members of all political factions can participate. It has been said that a republic is the form of government that divides people least. This statement pertains greatly to mutual liberty. Unlike positive and negative liberty, mutual liberty encompasses all citizens. It makes no distinction between political preference and social status. Mutual liberty pervades all sectors of society, from the homeless man on the street to the premier of the state. It is the process through which a general sense of morality gets exerted on the widest range of people in any given communal setting.
Document 14: Savings and loan association: A savings and loan association (S&L), or thrift institution, is a financial institution that specializes in accepting savings, deposits, and making mortgage and other loans. The terms ""S&L"" or ""thrift"" are mainly used in the United States; similar institutions in the United Kingdom, Ireland and some Commonwealth countries include building societies and trustee savings banks. They are often mutually held (often called mutual savings banks ), meaning that the depositors and borrowers are members with voting rights, and have the ability to direct the financial and managerial goals of the organization like the members of a credit union or the policyholders of a mutual insurance company. While it is possible for an S&L to be a joint-stock company, and even publicly traded; in such instances it is no longer truly a mutual association, and depositors and borrowers no longer have membership rights and managerial control. By law, thrifts can have no more than 20 percent of their lending in commercial loans — their focus on mortgage and consumer loans makes them particularly vulnerable to housing downturns such as the deep one the U.S. has experienced since 2007.
Document 15: Friendly society: A friendly society (sometimes called a "mutual society", "benevolent society", "fraternal organization" or "ROSCA") is a mutual association for the purposes of insurance, pensions, savings or cooperative banking. It is a mutual organization or benefit society composed of a body of people who join together for a common financial or social purpose. Before modern insurance, and the welfare state, friendly societies provided financial and social services to individuals, often according to their religious, political, or trade affiliations. These societies are still widespread in many parts of the developing world, where they are referred to as ROSCAs (rotating savings and credit associations), ASCAs (accumulating savings and credit associations), burial societies, chit funds, etc.
ground_truth: voluntary