En las cláusulas de incorporación o en el reglamento interno podrá proveerse para la creación de un capital a préstamo, a favor de la cooperativa.
Dicho capital a préstamo será recaudado mediante la contribución en efectivo hecha por los socios, mediante la acumulación de economías o intereses devengados por los socios en sus transacciones con la cooperativa. El límite máximo de la contribución o inversión del socio se fijará en las cláusulas o el reglamento. Si el contrato entre la cooperativa y el socio no estipula fecha fija para el retiro ni incluye alguna otra disposición limitativa, el socio podrá retirar su inversión en cualquier momento. Si la Junta de Directores considerase que dicho retiro fuese perjudicial para el desenvolvimiento de la cooperativa, éste podrá exigir un plazo no menor de noventa (90) días para hacer efectivo el mismo.
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