Internal financing through retained patronage is an very useful innovation for the capitalization of small and medium-sized worker cooperatives. Explaining how it works it to members can be easier with a handy flow chart. Here are some examples, in which you can see the percentages retained or distributed vary according to the cooperative. Click the images to enlarge them.
From the CFNE and ICA presentation to VEOC.
From an Arizmendi Association presentation through CooperationWorks!
From Jessica Hiemenz' presentation on Equal Exchange, appended to her SNHU research:
My attempt at a streamlined general flow to emphasize the end goal of having operating capital.