Mutual organizations are entities owned and operated by their members, who share a common interest or goal. These organizations often provide services such as insurance, banking, or healthcare, and their primary aim is to benefit their members rather than generate profit. Members typically have a say in decision-making processes, which fosters a sense of community and shared responsibility. Examples of mutual organizations include credit unions and mutual insurance companies. In these organizations, profits are usually reinvested to improve services or returned to members in the form of dividends or lower fees. This structure promotes member engagement and aligns the organization's goals with the interests of its members.