e.  How the movement can insulate itself from the trends that as the CAB study pointed out reduce the cooperativeness of co-operatives? 36. I would strongly urge the sector, if not in this Seminar, to find answers to these questions. 37. Another area where the cooperativeness of co-operatives is missing relates to the Federations’ role.
Several Committees have suggested that the co-operative banking sector need umbrella organisations to facilitate, among others, funds management, IT services, capacity building and strategic guidance. I hear about only one serious attempt has been made by the Gujarat Federation so far in that direction. It is a matter of regret that Federations could not so far come forward to activise such umbrella organisations.