Karki Commisson concludes that the major problems of SACCOs are arisen from weak self-regulation, inadequate education, distort of financial discipline, activity outside membership, misuse of cooperatives fund, extended membership, investment of FCs in non-productive 15th periodic plan has mentioned that mobilization of the fund according to priority setting of needy members, to invest for income generation and employment creation[13] are the key challenges of cooperatives along with other