Are governing bodies and associations working towards encouraging greater involvement of members in cooperative governance? Should there be a separate institution similar to the Election Commission to improve the democratic ethic of cooperatives? 44. A relevant issue is that there are several instances of cooperative institutions becoming leader centric. They do well under some good leaders, but crumble when those leaders leave.
What is the “mantra” for institutionalizing leadership at the grass root level? Question 4: Should cooperative banks diversify beyond basic banking? 45. There is an ongoing debate on whether cooperative banks should restrict themselves to offering plain vanilla products, or whether they should also, like commercial banks, diversify into offering exotic and complex products.