Lesson of Bangladesh

the share of co-operative credit in the total credit availed of by members was of a small to moderate order in most of the districts and, what is more, a considerable part of this co-operative credit was diverted to unproductive purposes. The superior position of members in respect of current and capital expenditure, value of gross produce per acre, etc, was due mainly to their relatively more advantageous position as compared to selected non- members in respect of size of holdings, irrigation facilities, etc" (p 76).