Sam Ekwuribe , Pathtogrowth Savings & Loans Cooperative limited, Nigeria
28 April 2020

The recommendations in this article are truly helpful.

But its implementation is where the dilema comes in - Where you want to pay the salaries and then you simply cannot afford it.

I feel its important to have an existing goodwill where the employees know that management have their interest at heart.

Above all there is need for some form of incentivisation to enable ailing cooperatives at least keep their staff at this period.