The cooperative movement, despite its noble genesis rooted in mutual aid, democratic control, and equitable distribution, has faced numerous problems that have limited its effectiveness and growth. One of the major challenges is poor governance and leadership. Many cooperatives suffer from ineffective management due to lack of professional skills, inadequate training, and dominance of a few individuals. Democratic principles are often weakened by elite capture, factionalism, and politicization, resulting in decisions that serve personal or political interests rather than collective welfare. Another significant problem is excessive government interference. While state support is essential for the growth of cooperatives, undue control through regulations, nominations, and financial dependence often undermines their autonomy. Cooperatives become extensions of government machinery rather than self-reliant member-driven institutions. This dependency reduces initiative, accountability, and innovation, weakening the cooperative spirit of self-help and mutual responsibility. Financial constraints also pose serious difficulties. Many cooperatives face shortage of capital due to low member contributions, poor savings habits, and limited access to credit. Weak financial discipline, high levels of overdue loans, and mismanagement of funds further aggravate