Skip to main content

Social and cultural services and programs Implemented by Cooperatives: A Case study of Rupandehi District



Damodar Pangeni, Asst. Professor, Yagyodaya Dudhnath Tharu Multiple Campus, Shuddhodhan-3, Ramawapur,  Rupandehi

Abstract: This paper aims to assess the status of social and cultural services and program implemented by cooperatives in Rupandehi. Cooperatives are established to provide economic benefit, social benefit and cultural benefit to the members, considering this context this study analyzed what is the situation in the district. The study has collected primary data through questionnaire and used descriptive method to analyses the social and cultural services and programs implemented by cooperatives. The study shows that among them Best Member, Best Saver and Best Debtor appreciation program, Cooperative education, Blood donation, Skill development training and Relief on family member death is mostly implemented services and programs by the cooperatives, more than 86% events are included in cooperatives annual plan and budget and 34.28 % services and programs' beneficiaries are public. Finally, as the objective of cooperatives it is concluded that there are need of increasing social and cultural services and programs to strengthen cooperative movement in the district.
Keywords: Social benefit, Cultural benefit, economic benefit, programs, services
1.      INTRODUCTION
1.1  Background of the study
Cooperatives are democratic, member-run and member-financed enterprises. They have been a model for bringing together people across all spheres of society in common economic and social interests. A cooperative business is owned and controlled by the people who  use  its  services  and  whose  benefits  are  shared  by  the  users  on  the  basis  of  use (USDA, 2002). Cooperative  enterprises  put  social  justice  and  equity  at  the  heart  of  economic  progress. As member-owned, member-run and member-serving businesses, cooperatives empower people to collectively  realize  their  economic  aspirations,  while  strengthening  their  social  and  human capital and developing their communities. Cooperatives play an important role in achieving social stability and social inclusion. With their ownership  structures  and  goals  that  are  different  from  those  of  investor-owned  enterprises, cooperatives encourage diversification and innovation, and enable a fairer distribution of income. Being member-owned and run cooperatives also contribute to keeping the production of goods and services close to the needs of the people that they serve. In this context, cooperatives provide a good platform for promoting collective entrepreneurship among marginalized populations who have difficulties entering the traditional labor market (COPAC, 2014).
The International Cooperative Alliance (ICA) in its Statement on the Cooperate Identity, in 1995, defines a cooperative as “an autonomous association of persons united voluntarily to meet their common economic, social, and cultural needs and aspirations through a jointly-owned and democratically-controlled enterprise.” It is a business voluntarily owned and controlled by its member patrons and operated for them and by them on a nonprofit or cost basis (UWCC, 2002). It is a business enterprise that aims at complete identity of the component factors of ownership, control and use of service, three distinct features that differentiate cooperatives from other businesses (Laidlaw, 1974).
This paper examines the social and cultural needs and aspirations, mentioned in ICA's definitions, of members fulfilled by the cooperatives of Rupandehi.
1.2 Statement of the Problem
In the recent constitution of Nepal, mentioned about cooperative that "The economic objective of the State shall be to achieve a sustainable economic development, while achieving rapid economic growth, by way of maximum mobilization of the available means and resources through participation and development of public, private and cooperatives, and to develop a socialism oriented independent and prosperous economy while making the national economy independent, self-reliant and progressive in order to build an exploitation free society by abolishing economic inequality through equitable distribution of the gains." (Nepal Law Commission, 2017). Likewise, Ministry of Finance stated that "By mid-March 2019, there are 34,737 cooperatives, 65,12,340 share holders with the share capital equivalent to Rs. 76.34 billion. 5.39 Till mid-March of FY 2018/19, Co-operatives have mobilized the savings of Rs.345.59 billion and credit of Rs.332.71 billion. In the corresponding period of the FY 2017/18, the saving equivalent to Rs. 323 billion had been mobilized and mobilization of credit was equivalent to Rs. 300 billion. It is estimated that in co-operatives sector almost 63,500 direct employments have been generated till mid-March of FY 2018/19." (Ministry of Finance, 2019) Similarly, members are socially and culturally benefited as ICA definitions but in Rupandehi. However, most of the previous research like report of ministry of Finance are focused only on economic contributions of cooperatives towards members and society and not seems any studies for social and cultural benefit. This has put a question mark to ICA definition, norms and Cooperative principle, to the cooperative movement of Rupandehi district for multi-dynamic sector development of the cooperative members. Hence, there is an urgent need to pay attention towards social and cultural goal in order to address the situation seen in cooperatives. In view of the above mentioned problem, the study attempted to examine the following questions:
·Types of social services and programs conducted by cooperatives in Rupandehi district?
·Types of cultural services and programs conducted by cooperatives in Rupandehi district?
·Are these services and programs are included on Annual program and budget?
·All conducted services and programs are provided to public or members?
1.3 Research Objective
The general research objective of this study is to assess the social and cultural services and programs of cooperatives in the district. But the specific objectives of the studies are:
  • To find out the types of social services and programs conducted by cooperatives in Rupandehi district.
  • To trace out types of cultural services and programs conducted by cooperatives in Rupandehi district.
  • To assess either these services and programs are included on annual program and budget or not?
  • To identify all conducted services and programs are provided to public or only members.
1.4 Rationale of the Study
This study has an importance through providing adequate information for cooperative leaders, cooperative members, Cooperative workers, Policy makers, development workers and other stakeholders about how to make cooperative socially and culturally beneficial by conducting social and cultural services and programs.
 1.5. Limitation and delimitation of the study
Though there are around 750 cooperative Societies inside the district only 40 cooperatives are selected for the study. There might have different social and cultural services and programs conducted by the cooperatives only one time data have been taken from them. This research is only based on the International Cooperative Alliance (ICA)'s defination "An autonomous association of persons united voluntarily to meet their common economic, social and cultural needs and aspirations. Through a jointly-owned and democratically-controlled enterprise." (ICA, 2016) and not based on the corporate social responsibility (CSR). This study only concentrated in the types of social and cultural services and programs but not assessed frequency and participation of the members. Economic services and programs related to the saving and credit excluded in this study. 

2. LITERATURE REVIEW
2.1 The concept of Cooperative
The concept of cooperation is not new. It was happened even before the formation of modern cooperatives. However, the modern Cooperative enterprise is born in the Agricultural and Industrial Revolutions of the 19th and 20th centuries in Europe. The Rochdale society of equitable pioneers in 1844 was the first successful consumer cooperative business. A group of 28 workers of Rochdale in England formed it as consumer or buyers cooperative. The cooperative had its own business practices and principles, which made the cooperative to be successful. Since 1884, many types of cooperatives have been established worldwide to meet their members common  economic, social and  cultural  needs,  including  agricultural cooperatives, credit  cooperatives, Consumer  cooperatives,  worker  cooperatives, credit  unions, , and  mutual aid  societies have been set up almost everywhere.  In total, about, 250 million people make their livelihood through co-operatives. At least 100 million households receive their health care through health co-operatives. The world's 300 largest co-operatives have annual turnover over USD 2 trillion. (ICA, 2011).
A cooperative (“Coop”) or Cooperative (“Co-op”) is an autonomous association of people who voluntarily cooperate for their mutual social, economic and cultural benefit. Cooperative is non-profit community organization and businesses that are owned and managed by the people who use its services or by the people who work there or by the people who live there (a housing cooperative), hybrids such as worker  cooperatives that are also consumer cooperatives or credit unions, multi-stakeholder cooperatives such as those that brings together civil society and local actors to deliver community needs and second and third tier cooperative whose members are other cooperatives (Wikipedia, 2014).
The distinguishing features of cooperatives are encapsulated in the seven cooperative principles, which include (i) voluntary and open membership, (ii) democratic member control, (iii) member economic participation, (iv) autonomy and independence, (v) education, training and information, (vi) cooperation among cooperatives and (vii) concern for community. Cooperatives function on the basis of the values of self-help, self responsibility, democracy, equality, equity and solidarity. Cooperative Principles, for example, emphasize the centrality of cooperative education, training and information so that they contribute effectively to the development of their cooperatives (Chambo, 2009). Cooperatives should provide education and training for their members, elected representatives and employees. The cornerstone of any cooperative is the education and training on cooperative matters of all members (Mdluli, 2003). 
2.2 Concept of Social and Cultural Benefit for the members by the cooperatives
Cooperatives help to democratize and empower many people in developing countries. For example, they instill basic democratic values and foster self-reliance through collective action and shape relationships between institutions and civil society that encourage participation and conflict management. Furthermore, cooperatives instill (i) democratic member control (one member, one vote), (ii) promote participatory management practices and (iii) promote transparency in decision-making and financial accountability and (iv) they en-courage devolution of power and lastly (v) promote collective action and bargaining power among members (The US Overseas Cooperative Development Council, 2007).
Similarly, Osti (2012) has described in his article published in Italy that sustainable agricultural cooperative diversify their activities to include water management, tourism, production of quality regional foods and organic farming. They respond to the crisis of high-tech agriculture and environment regulation in the Netherlands. In Italy, “social cooperatives” provide maintenance of public green spaces, urban waste collection, urban sanitation, installation of solar panels and waste prevention and reuse.
Likewise, Gray and Kraenzle (2002) stated that the majority of agricultural cooperatives were struggling with issues around capital investment to expand or adopt new technologies and governance issues, while issues of member commitment and patronisation may be adding to other problems in the cooperative sector. Cooperatives exist to address the needs of citizens by providing services such as, helping farmers market their products, buying farm.
In addition, Gullander (1951) has explained about the cooperative in Sweden, ”Sweish farmer, like American farmers, have had to learn the hard way that successful co-operation entails responsibilities and obligations as well as privileges. For example, they have learned that the polling type of operation eliminates the risks involved in the speculation, outright purchase of farm products by the cooperative. They have also learn that providing capital and patronage are important obligation of membership in cooperatives. At first, the Swedish farmers did not like these ideas, but apparently they now accept them, perhaps more generally than American farmers do.” He has further written that Swedish farmer appear to have gone much faster than Americans in federating their local cooperatives into country, district and national organizations. For example, in Sweden, local cooperative generally supplies in their local market but in selling of the excess over local needs is delegated to a district or national federation or union of cooperatives. Apparently there has been some objection among local cooperatives to such delegation, but they have thereby been able to gain some significant objectives. Of course, the handling of surpluses would present quote a different problem in the United States. Voluntary cooperation in America during 20‟s proved inadequate to deal with surpluses. As a consequence, American farmers have since enlisted the aid of government in dealing with them.
However, Movsisyan (2013) has summarized that cooperatives are slowly making an impact across rural Armenia. Cooperatives have huge potential to become one of the cornerstones in Armenia‟s agricultural and economic development especially in rural areas where the united force of farmers can change their own lives and overall livelihood of their community. However, in Armenia cooperatives as organizational models are not sustainable yet. Most of the member did benefit from developing their individual farms but the idea of cooperative as an entity is not developed properly yet. This derives risks in a sense that, after donor organizations leave, cooperatives are broken since most members are not motivated to stay with the cooperative. The experience of many registered but not functioning cooperatives in Armenia shows this effect.
On the other hand, Smith (1994) has discussed the comparative advantages of cooperative includes smaller size innovations that are contributed by individual members. For worker cooperatives, observation that the workers make in the course of their daily work, whether make in the course of their daily work, whether in the context of building craft products, working on an assembly line or service work may be more likely to be mentioned, recorded and built upon by the cooperative. In this way, cooperative can introduce improvements and need methods of production and organization with more direct line of communication that their management structure facilities. This is clearly a comparative advantage of cooperatives over conventional firms because monitoring effort and work quality can be costly, producing goods that require high quality or effort can be expensive, conventional firms may have difficulty in monitoring and incentivizing high quality work, cooperatives may therefore have benefits specializing in quality or artistic versions of goods within a broader sector, as their incentive structure is better suited to worker engagement and effort. At least, indirect and anecdotal evidence suggests that this is the case for example in Italy.
Likewise, Bastola (2008) has explained that cooperatives not only generate income to its members but also take overall responsibility of all the members. In Nepal, multipurpose cooperative are in practice which inspires the villagers for modern agriculture system, to grow up seasonal vegetables and professional animal husbandry. It promotes the product in the market and sale them in the reasonable price. Besides this, cooperative is working for social welfare also. It is acting for the development of leadership skills of the women in education, providing health service through health campaign and other skill-oriented training is also arranged for rural women. Thus, cooperative organizations are actively participating for bringing revolutionary change in the life of the rural women.
Similarly, Mistra (2013) in his article examined that past initiatives for the cooperative movement in Nepal have not shown much impact on the overall food self-sufficiency, agricultural commercialization and socio-economic transformation of the nation. A scientific farmer cooperative movement that empowers farmers, commercializes agriculture, enhances food security, transforms socio-economic conditions and contributes to rural development in Nepal is necessary. A renewed and revitalized cooperative movement should be all inclusive, fully managed at the grassroots level and must have strong governmental support in terms of cooperative formation and safeguarding. Appropriate educational, research and extension support programs are essential for a successful cooperative movement. Farmers‟ income and quality of life must be the yardstick of success of the cooperative movement in Nepal.
After analyzing the above literatures, it is found that various social and cultural services and program conducted by the cooperatives for members and community. The economically developed countries like Canada, china, Germany, United States, Norway etc has been running various social and cultural services and program through the cooperatives. Members are socially and culturally benefited as ICA definitions but in Rupandehi, most of the previous research are focused only on economic contributions of cooperatives towards members and society and not seems any studies for social and cultural benefit. This has put a question mark to the cooperative definition, norms and principle, to the cooperative for multi-dynamic sector development of the cooperative members. Hence, there is an urgent need to pay attention towards social and cultural goal in order to address the situation seen in cooperatives.
3. RESEARCH  METHODOLOGY
As the Rupandehi district is province capital city district of province number 5 of Nepal. There are around 750 Cooperatives inside the district and cooperatives are conducting various social and cultural services and programs. As an economically vibrant district this district is selected for the study. This study is concentrated to identify the status of social and cultural services and programs by the cooperatives. Only 40 cooperatives are selected for the research. Convenience sampling method is used for selecting cooperatives. Among them 24 Saving and Credit, 7 Multi-purpose, 5 Agriculture, 3 Social Entrepreneur and 1 Herb Cooperatives are selected for the research. The research is descriptive in nature. The research has used mainly qualitative method of analysis. Primary data are collected through questionnaire from the selected cooperatives of the district. In addition, the secondary data are collected through previous studies, published book, journals, case studies, news, articles, annual reports, document and bylaws of the cooperatives. The data are more based on questionnaire information provided by the selected cooperatives. To collect the required information and data, researcher has conducted a meeting with Board of Director and manager of cooperative as key informants for the research. Secondary sources and existing records were also used for clarification of collected and supplemented data. Collected data have been presented in the table and bar-diagram. After the presentation of data, situation analysis conducted based on to research objectives. In this research data have been compared in social and cultural services and events and service and programs trend analysis of growth also been shown. 
4. DATA ANALYSIS AND PRESENTATION
4.1 Social and Cultural Service and Programs conducted by the cooperatives.
Rupandehi district, there are various social and cultural services and program 

implemented by the cooperatives, mainly they are:
1.  Tree and Fruit plantation                             19. Blood Donation
2. Cooperative Education training                   20.  Skill development training
3. Relief on Member death                                21. Relief on family member death
4. Best member, saver and debtor award       22. Livestock Insurance service
5. Community information center                   23. Support on Illness
6. Member accidental insurance                      24. Quiz competition
7. Village/Town sanitation program               25.Educational material distribution
8. Elder member appreciations program       26. Maternity Support and meet
9. New Bride welcome program                       27. Irrigation means support
10.  Dustbin distribution                                    28. Health Camp
11.  Teenager and Sisters' club formation       29. Teej song competition
12.  Player's appreciations program                 30. Sports program
13.   Livestock health camp                                31. Educational tour
14.  Water distribution program                       32. Bio-gas construction
15.  Drainage construction                                 33. Women empowerment training
16.  Student appreciation program                  34. Training on drug abuse
17. Traffic awareness program                          35. Leadership and MC training
18.  Food distribution to temple, disability shelter and hospital
                                                                          (Sources: Questionnaire 2020)
Table No. 1. Implemented services and program by the cooperatives

S.N.
Program and Services
Implementing cooperatives
Percentage
1.     
Tree and Fruit plantation
8
20
2.     
Cooperative Education training
33
82.5
3.     
Relief on Member death
15
37.5
4.      
Best member, saver and debtor award
34
85
5.      
Community information center
1
2.5
6.      
Member accidental insurance
14
35
7.      
Village/Town sanitation program
10
25
8.   
Elder member appreciations program
14
35
9.   
New Bride welcome program
4
10
10 
Dustbin distribution
2
5
11 
Teenager and Sisters' club formation
2
5
12 
Player's appreciations program
3
7.5
13 
Livestock health camp
2
5
14 
Water distribution program
1
2.5
15 
Drainage construction
1
2.5
16 
Student appreciation program
30
75
17 
Traffic awareness program
1
2.5
18 
Food distribution to temple, disability shelter and hospital
15
37.5
19 
Blood Donation
23
57.5
20 
Skill development training
20
50
21 
Relief on family member death
18
45
22
Livestock Insurance service
2
5
23 
Support on Illness
10
25
24 
Quiz competition
3
7.5
25 
Educational material distribution
10
25
26 
Maternity Support and meet
18
45
27 
Irrigation means support
2
5
28 
Health Camp
13
32.5
29 
Teej song competition
2
5
30 
Sports program
4
10
31 
Educational tour
17
42.5
32 
Bio-gas construction
1
2.5
33 
Women empowerment training
8
20
34 
Training on drug abuse
3
7.5
35 
Leadership and MC training
9
22.5

                                                                                                                 (Sources: Questionnaire 2020)

Among above mentioned 35 services and program; Best Member, Saver and Debtor award 85 %,  Cooperative Education 82.5 %, Blood donation program 57.5 %, Skill Development training 50% and Relief on family member death services 45 %  are the top 5 services and program  implemented in the district by the cooperatives respectively.
4.2 Social and Cultural services and programs included in the Annual program and budget
Table No. 2. Social and Cultural services and programs included in the Annual program and budget
S.N.
Program and Services
Implementing cooperatives
Included in the Annual program
Including %
1.     
Tree and Fruit plantation
8
6
75.00
2.      
Cooperative Education training
33
20
60.61
3.      
Relief on Member death
15
15
100.00
4.
Best member, saver and debtor award
34
34
100.00
5.      
Community information center
1
1
100.00
6.      
Member accidental insurance
14
14
100.00
7.      
Village/Town sanitation program
10
6
60.00
8.   
Elder member appreciations program
14
13
92.86
9.      
New Bride welcome program
4
4
100.00
10.  
Dustbin distribution
2
1
50.00
11.   
Teenager and Sisters' club formation
2
2
100.00
12.  
Player's appreciations program
3
2
66.67
13.  
Livestock health camp
2
2
100.00
14.  
Water distribution program
1
1
100.00
15.  
Drainage construction
1
1
100.00
16.  
Student appreciation program
30
27
90.00
17.   
Traffic awareness program
1
1
100.00
18.   
Food distribution to temple, disability shelter and hospital
15
9
60.00
19.  
Blood Donation
23
18
78.26
20.  
Skill development training
20
15
75.00
21.  
Relief on family member death
18
17
94.44
22.  
Livestock Insurance service
2
2
100.00
23.  
Support on Illness
10
10
100.00
24.  
Quiz competition
3
3
100.00
25.  
Educational material distribution
10
8
80.00
26.  
Maternity Support and meet
18
18
100.00
27.  
Irrigation means support
2
2
100.00
28.  
Health Camp
13
11
84.62
29.  
Teej song competition
2
1
50.00
30.  
Sports program
4
4
100.00
31.  
Educational tour
17
16
94.12
32.  
Bio-gas construction
1
1
100.00
33.  
Women empowerment training
8
7
87.50
34.  
Training on drug abuse
3
3
100.00
35.  
Leadership and MC training
9
8
88.89
                                                                                                (Sources: Questionnaire 2020)

In Rupandehi 313 Social and cultural services and programs out of 363 events, (86.225% events) are included in the annual program and budget of the program

4.3 Social and Cultural services and programs for the public and only members
Table No. 3. Social and Cultural services and programs for the public and only members

S.N.
Program and Services
Beneficiaries
Participated
1.     
Tree and Fruit plantation
Public
Member / Public
2.     
Cooperative Education training
Member
Member
3.     
Relief on Member death
Member
Member
4.     
Best member, saver and debtor award
Member
Member
5.     
Community information center
Public
Member / Public
6.     
Member accidental insurance
Member
Member
7.     
Village/Town sanitation program
Public
Member / Public
8.     
Elder member appreciations program
Member
Member
9.     
New Bride welcome program
Member
Member
10. 
Dustbin distribution
Public
Member / Public
11.  
Teenager and Sisters' club formation
Member
Member
12. 
Player's appreciations program
Member
Member
13. 
Livestock health camp
Public
Member / Public
14. 
Water distribution program
Public
Member / Public
15. 
Drainage construction
Public
Member / Public
16. 
Student appreciation program
Member
Member
17. 
Traffic awareness program
Public
Member / Public
18.   
Food distribution to temple, disability shelter and hospital
Public
Member / Public
19.  
Blood Donation
Public
Member / Public
20.  
Skill development training
Member
Member
21.  
Relief on family member death
Member
Member
22.  
Livestock Insurance service
Member
Member
23.  
Support on Illness
Member
Member
24.  
Quiz competition
Member
Member
25.  
Educational material distribution
Member
Member
26.  
Maternity Support and meet
Member
Member
27.  
Irrigation means support
Member
Member
28.  
Health Camp
Public
Member / Public
29.  
Teej song competition
Member
Member
30.  
Sports program
Member
Member
31.  
Educational tour
Member
Member
32.  
Bio-gas construction
Member
Member
33.  
Women empowerment training
Public
Member / Public
34.  
Training on drug abuse
Member
Member
35.  
Leadership and MC training
Member
Member

                                                                                                         (Sources: Questionnaire, 2020)
In Rupandehi 12 Social and Cultural services and programs out of 35 events (34.28%) are implemented to public. In these 12 events not only members but also excluding cooperative members are participated and benefited. 
4.4. Major findings of the Study:
Based on the collected data and information provided by the sample cooperatives following major findings has been drawn:
  • In Rupandehi 35 types of social and cultural services and programs implemented by the cooperatives to the member and community.
  • Among above mentioned 35 service and program; Best member, Saver and Debtor award 85%, Cooperative Education 82.5%, Blood Donation program 57.5%, Skill Development training 50% and Relief on Family Member Death Services 45% are the top 5 services and programs implemented in the district by the cooperative societies.
  • In Rupandehi 313 social and cultural services and programs out of 363 (86.225% events) are included in the annual program and budget in the district by the respective cooperatives.
  • In Rupandehi 12 social and cultural services and programs out of 35 (34.28% events) are implemented for public. In these 12 events not only members but also excluding cooperative members are participated and benefited.
5. SUMMARY AND CONCLUSION
Based on the International Cooperative Alliance (ICA)'s definition “an autonomous association of persons united voluntarily to meet their common economic, social, and cultural needs and aspirations through a jointly-owned and democratically-controlled enterprise.” (ICA, 2016) it is found that Cooperatives of the Rupandehi are implementing 35 types of social and cultural services and programs. They served thousands of households and members in the district and provide varieties of social and cultural services and programs for member and public benefit. All of these cooperatives have Training and Education fund, Organization Development fund in their bylaws and at the end of every fiscal year they are allocating amount from their profit for these fund. Most of the social and cultural services and programs (86. 225 %) are running through their AGM decisions and in 34.28 % programs they are participating public not only cooperatives members. However, these social and cultural services and programs are not seems sufficient as indicated in ICA's definitions. Likewise, cooperatives are participating public during such social and cultural services and programs as mentioned as 7th Principle of Cooperatives.  
Directions for Future Research
This study attempted to investigate social and cultural services and program implemented by the cooperatives of Rupandehi. However, this study is limited to small size of sample cooperatives, which makes difficult to generalize and make inference to the whole district. Thus, future research may make an in-depth study in this regard by collecting chronological data considering more than 3 years of each cooperatives so as to clearly identify trend of such services and programs. Similarly, future researcher could also consider the embeddedness of other factors like administrative regions like all local governments, frequency of services and programs, number of beneficiaries of the such services and programs as variables.

REFERENCES
Bastola, S. (2008). Purbaki Sahakari netri. Kathmandu: Annapurna Post, June 7, 2008.

Committee for the Promotion and Advancement of Cooperatives (COPAC). (2014),
Cooperative enterprises achieve sustainable development for all. UN Headquarters, New York

European Community of Consumer Cooperatives (Euro Coop). (2008). Consumer
Cooperative Social Responsibility: Bringing Values in to Retail Business, 7.

Gray, T.W. & Kraenzle C. A. (2002).U.S. Department of Agriculture, Rural
Development, Rural BusinessCooperative Service Research Report 192.

Gullander, A. (1951). Former’s Co-Operation in Sweden. Iowa: State Colleges Press,
Unite States of America.

ICA (2011). Global 300 Report, 2010: The world’s major cooperatives and mutual
businesses. Geneva: International Co-operative Alliance(ICA), Switzerland.

International Co-operative Alliance (2003): Welcome to the International Cooperative
Alliance, at www.coop.org

International Co-Operative Alliance (ICA). (2016). International co-operative  Annual
Alliance Report. Brussels - Belgium, 5.

Laidlaw, A.F (1974): The Cooperative Sector, Columbia: University of Missouri

Mdluli, T.V. (2003). An evaluation of the education and training of cooperative societies
through the cooperative members’ participation programme (CMPP) in Swaziland: A case of the Lubombo region. Unpublished B. Ed.research report. Kwaluseni: University of Swaziland. 

Ministry of Finance. (2019). Economic Survey 2018/19. Kathmandu: Ministry of Finance.

Mishra, B. (2013). Economic implication of cooperative movement in Nepal. Retrieved
from blog for Agriculture Development Website: http:// WWW.bijeshmishra .wordpress.com

Movsisyan, S. (2013). The role of cooperative in development of agriculture in America.
Asian Countries and EU. Germany: Institute for Diplomacy.

Nepal Law Commission. (2017). Constitution of Nepal. Kathmandu: Nepal Law Commission.

Osti, G. (2012). Green Social Cooperative in Italy: A practical way to cover the three
pillars of sustainability. Rome: Sustainability Science, Practice and Policy. 8(1), 42-46.

Smith, C. (1994). Innovation and market strategy in Italian industrial cooperatives.
Economic Behavior & Organization, 23(3), 303-320. Italy.

United States Department of Agriculture (USDA). (2002).Agricultural Cooperatives in
the 21st Century Rural Business-Cooperative Service Information

US Overseas Cooperative Development Council (2007), US Overseas Cooperative
Development Council (Last updated 2007) 'Cooperatives: Pathways to Economic, Democratic and Social Development in the Global Economy. <http://www.ocdc.coop/OCDC/CoopPathwaysReport.pdf> (Accessed 09/28 2015).
UWCC (2002): Cooperatives, University of Wisconsin Centre for Cooperative, at
Wikipedia (2014). Wikipedia

Comments

Popular posts from this blog

सहकारीको ऋण असुली भएन! कानुनले के भन्छ?

सहकारी संस्थाले आफ्ना सदस्यहरुलाई गरेको ऋण लगानी नै सहकारीको मूख्य सम्पत्ति हो । नेपाल जस्तो बचत तथा ऋण सहकारी संस्थाको बाहुल्य भएको देशमा सहकारी संस्थाले गरेको ऋण बेलैमा असुल हुन सकेन भने सिंगो सहकारी क्षेत्रलाई नै ठूलो असर पर्दछ । सहकारी संस्थाले गरेको ऋण लगानीको असुली निर्धारित अवधिमा हुन सकेन भने बचतकर्ताहरुको रकम जोखिमा पर्दछ र सिंगो संस्थाको बित्तीय र संस्थागत स्वास्थ्य संकटमा पर्दछ । सहकारीमा ऋण असुली सरल ढंगले होस् र सहकारी संस्था ऋणी असुलीको कारणले जोखिममा नपरोस् भनी सहकारी ऐन २०७४ को दफा ७९, ८०, ८३, ८४ र ८५ र सहकारी नियमावली २०७५ को दफा ३० देखि ३६ सम्ममा ऋण असुलीका लागि निम्न अनुसार कानूनी व्यवस्था रहेको छ । किस्ताको भाखा नाघेको तर ऋणको भाखा ननाघेको अवस्थामा  क) ऋण तिर्ने अवधि पुरा नहुँदै सहकारी संस्थामा राखेको धितोको मूल्यांकन घट्न गएमा (बाटो बनाउन, अन्य कुनै परियोजना संचालन गर्न, सरकारले अधिग्रहण गर्न सक्दछ, जमिनमा नदीले कटान गरेको, अन्य प्रकोप वा अन्य कुनै कारणले घट्न सक्दछ ।): १) ऋणी सदस्यलाई थप धितो राख्न लगाउन सकिने । २) ऋणी सदस्यले थप धितो राख्न नमानेमा ऋ...

नेपालको पन्ध्रौं योजना (२०७६/७७ देखि २०८०/८१)मा सहकारी क्षेत्र

नेपालको पन्ध्रौं योजना (२०७६/७७ देखि २०८०/८१) मा सहकारी क्षेत्र                                                                               - दामोदर पंगेनी नेपालले राष्ट्रिय योजना आयोग मार्फत आवधिक रुपमा योजना निर्माण गरी कार्यान्वयन गर्दछ। वि.सं. २०१३ साल देखि निरन्तर पञ्चवर्षिय र त्रिवर्षिय योजना मार्फत देश विकासका लागि योजना निर्माण गर्दै कार्यान्वयन गरिरहेको परिप्रेक्ष्यमा पन्धौं योजना (२०७६/७७ देखि २०८०/८१) चालु आर्थिक बर्ष देखि कार्यान्वयमा रहेको छ। राष्ट्रिय योजना आयोगले १४ औं योजना (२०७३/७४ देखि २०७५/७६) लाई समीक्षा गर्दै चालु पन्ध्रौं योजनामा सहकारी क्षेत्रका लागि निर्धारण गरेका लक्ष्य, उद्देश्य, रणनीतिहरु र कार्यनीतिहरु निम्न अनुसार रहेका छन्।  १४ औं योजनाको अन्त्यमा राष्ट्रिय योजना आयोगले सहकारी क्षेत्रलाई यसरी समीक्षा गरेको छ। आ.व. २०७४/७५ मा सहकारी संस्थाको ...

‘रुपन्देही–जिल्ला एक परिचय अनेक’

–दामोदर पंगेनी एसियाका ज्योति गौतम बुद्धको जन्मस्थल पवित्र धार्मिक स्थल लुम्बिनीलाई आफ्नो मुटुमा संगालेको ‘रुपन्देही’ नेपालको एक महत्वपूर्ण जिल्लाको रुपमा परिचीत छ । पश्चिमाञ्चल विकासक्ष्ँेत्रको लुम्बिनी अञ्चलमा पर्ने रुपन्देही १३६० वर्ग किमी ओगटेको मध्यम आकारको जिल्ला हो । नेपालको सवभन्दा लामो महेन्द्र राजमार्गले पूर्व पश्चिम काटेको र अर्को महत्वपूर्ण सिद्धार्थ राजमार्ग यसै जिल्लाको वेलहिया देखि शुरुवात हुनुको साथै जिल्ला सदरमुकाम भैरहवामा विमानस्थल रहेको छ । जातिय तथा भाषिक विविधता बोकेका नेपालका अन्य जिल्लाझै यस जिल्लामा पनि विभिन्न जातजाति तथा भाषाभाषिको वसोवास रहेको छ । वसोवासको बनौट हेर्दा जिल्लाको पूर्वोत्तर भागमा पहाडी मूलका र पश्चिमी भागमा आदिवासी थारु जातिको बाहुल्यता रहेको छ । राजनीतिक दृष्टिकोणले यस जिल्लालाई सात निर्वाचन क्षेत्रमा विभाजन गरिएको छ भने यस जिल्लामा कुल ६९ गाविस तथा बुटवल र सिद्धार्थनगर गरी २ नगरपालिका रहेका छन् । ७,०८,४१९ जनसंख्या रहेको जिल्लामा जनसंख्या मध्ये ६६.२ प्रतिशत जनसंख्या साक्ष्ँर रहेको छ । मुख्यतः लुम्बिनी अञ्चलका अन्य जिल्लाका साथै गण्डकी र ...