The paper argues that co-operatives can overcome this problem, so long as they retain the classic co-operative principles. A member-owned cooperative can provide the three elements of the triangle in the best interests of the members. The author then focuses on savings and credit cooperatives and argues that unless they follow correct methods of calculation on interest to be paid on member deposits and charged on member loans, the members are not receiving the best possible service and, in consequence, may fail. He believes member education is, therefore, crucial.

Finally this paper addresses the issue of rural development and microcredit and suggests that raising the productivity of farmers is insufficient to redress rural poverty. The creation of non-agricultural employment is also important and credit is needed for non-farm enterprises.