Political environment

a. Political Instability has negatively affected the economic growth of nation of

which every economic sector is a victim

b. Ease licensing procedure by the government for the establishment of

Cooperatives have resulted in mushrooming growth of cooperatives and
positive contribution specially to weaker sections of the society on one hand,
but the poor regulatory mechanism have led to fraudulent cases which has
negative impact on cooperatives with positive intentions

c. Labor union affiliated to different political parties are causing troubles for
political interest not for peoples or organizations interest

d. Strikes and bandhs have negative impact on organization performance. E.g

Lower cash flow

Economic environment

a. Cooperatives are promoted for the benefits of weaker sections of the society.

b. Cooperatives taken as a medium to save hard earned money

c. Negative impact of economic recession and closure of industries

d. Negative impact of low per capita income with low or no saving at all

Socio cultural environment

a. Changing lifestyle and need of Luxurious goods requires borrowing which is

facilitated by cooperatives

b. Banking taken as a symbol of modern lifestyle which is good

Technological environment

a. Technology makes positive impact on making the service delivery more

effective and efficient

b. Reach customers promptly and address their issue

c. Concept of mobile banking and money transfer surely to hit the business

d. Account information on mobile highly valued by customers

e. Overall a good impact of technology