*CO-OPERATIVE SOCIETIES # ẸGBẸ́ ALÁFỌWỌ́SOWỌ́PỌ̀*

Oríkì: A lè ki ẹgbẹ́ aláfọwọ́sowọ́pọ̀ gẹ́gẹ́ bíi ẹgbẹ́ òwò alátinúwá kan nínú èyí tí ìsọ̀rí àwọn ènìyàn kan tí wọ́n ní ìfẹ́-ọkàn kannáà ti máa ń tu àwọn ọrọ̀ wọn jọ láti ṣe ìgbélárugẹ fún ìgbáyégbádùn ọlọ́rọ̀ajé ti àwọn ọmọẹgbẹ́ wọn nínú ìgbéjáde, ìpínká àti ìṣàmúlò àwọn ire àti àwọn iṣẹ́-ìsìn.

*Advantages of co-operative societies # Àwọn àǹfààní ẹgbẹ́ aláfọwọ́sowọ́pọ̀*

(1) Encouragement of savings # Ìwúlórí àfipamọ́: Ẹgbẹ́ aláfọwọ́sowọ́pọ̀ máa ń ṣe ìwúrí fún àṣà ìfipamọ́ láàárín àwọn ọmọẹgbẹ́ wọn.

(2) Financial assistance # Ìrànwọ́ olówónàá: Wọn lè ṣa owó tí a nílò jọ fún ìdókòwò àti ìgbèrú, kí wọ́n sì pèsè ìrànwọ́ olówónàá tàbí ẹ̀yáwó fún àwọn ọmọẹgbẹ́.

(3) Improvement of members’ standard of living # Ìmúdárasíi ní ti ìgbéayé ìpéwọ̀n àwọn ọmọẹgbẹ́: Wọn máa ń mú ìgbéayé ìpéwọ̀n àwọn ọmọẹgbẹ́ wọn dára síi nípa pípèsè àwọn ire nígbà tí wọn kò bá lágbára láti rà á fúnra wọn, bí àpẹẹrẹ, àwọn ohun ẹ̀lẹ́tíróní àti ilẹ̀.

(4) Loan facilities from banks or government # Ìrọ̀rùn ẹ̀yáwó láti ọ̀dọ̀ báńkì tàbí ìjọba: Ẹgbẹ́ aláfọwọ́sowọ́pọ̀ lè rí ẹ̀yáwó gbà nírọ̀rùn ní báńkì, bí àpẹẹrẹ, báńkì aláfọwọ́sowọ́pọ̀. Wọ́n sì tún lè rí ìrànwọ́ olówónàá gbà láti ọ̀dọ̀ ìjọba.

(5) It is democratic in nature. # Ó jẹ́ oníjọba-àwaarawa ní ti àdámọ́: Olúkúlùkù ọmọẹgbẹ́ nínú ẹgbẹ́ náà ló ní àǹfààní sí ètọ́ ẹnìkan-ìbò-kan, láìfi iye ìpín-ìdókòwò tí a ní pè.

(6) Lower prices # Ìyeoowó-ọjà tó lọlẹ̀ síi: Ẹgbẹ́ aláfọwọ́sowọ́pọ̀ sábà máa ń ra àwọn ire ní kìtí lọ́dọ̀ àwọn alágbèélẹ̀rọ (manufacturers) ní iyeowó-ọjà tó dínwó síi, èyí yóò sì mú kí àwọn ọmọẹgbẹ́ náà lè ní àwọn ire yìí ní iyeowó-ọjà tó lọlẹ̀ síi.

(7) Marketing of members’ products # Ìwátajà fún àwọn àgbéjáde àwọn ọmọẹgbẹ́: Wọ́n máa ń ṣèrànwọ́ fún àwọn ọmọẹgbẹ́ wọn nípa ìwátajà fún àwọn àgbéjáde wọn, nípa báyìí wọn yóò rí àrídájú iyeowo-ọjà tó sàn fún àwọn àgbéjáde náà.

(8) Elimination of middlemen # Ìyọwọ́ àwọn aláròóbọ̀: Àwọn àkitiyan ẹgbẹ́ aláfọwọ́sowọ́pọ̀ máa ń ṣèrànwọ́ láti ṣe ìyọkúrò àwọn aláròóbọ̀ (èyí nnì àwọn olùtodidi àti àwọn aláyọtà) àwọn tó jẹ́ pé èrè wọn ì bá kún kòkárí ìnáwó àwọn ire náà.

(9) Prevention of exploitation # Ìdènà ìrẹ́jẹ: Ẹgbẹ́ aláfọwọ́sowọ́pọ̀, pàápàá ẹgbẹ́ aláfọwọ́sowọ́pọ̀ àwọn aṣàmúlò, máa ń ṣèrànwọ́ láti rí i dájú pé àwọn aṣàmúlò ìgbẹ̀yìn (tí í ṣe àwọn ọmọẹgbẹ́) wà ní ìdáàbòbò.

(10) Encouragement of hard work # Ìmúwùúrí bá iṣẹ́ àṣekára: Àwọn ọmọẹgbẹ́ ẹgbẹ́ aláfọwọ́sowọ́pọ̀ sábà máa ń gba ìwúrí láti ṣiṣẹ́ kárakára nítorí àti-rí owó dá sínú ẹgbẹ́ náà.

(11) Strong inter-personal relationship # Ìbáṣepọ̀ àárín araẹni tó gíríkì: Nínú ẹgbẹ́ aláfọwọ́sowọ́pọ̀, ìbáṣepọ̀ àárín araẹni tó gíríkì máa ń wà láàárín àwọn ọmọẹgbẹ́ nítorí pé wọ́n sábà máa ń rí ara wọn bí ọ̀kannáà.

(12) Education of their members # Ìkọ́lẹ́kọ̀ọ́ àwọn ọmọẹgbẹ́ wọn: Ẹgbẹ́ aláfọwọ́sowọ́pọ̀ a sábà máa ṣe ìkọ́nimọ̀ọ́nṣe fún àwọn ọmọẹgbẹ́ wọn ní agbègbè ìgbéjáde, ìpínká, rírà àti títà àwọn ire àti àwọn iṣẹ́-ìsìn.

*Disadvantages of co-operative societies # Àwọn àìláǹfààní ẹgbẹ́ aláfọwọ́sowọ́pọ̀*

(1) Insufficient capital # Àìtó ojúowó: Kò sí ojúowó tító láti mú ẹgbẹ́ náà ṣiṣẹ́. Wọ́n máa ń gbáralé ìdáwó àwọn ọmọẹgbẹ́ gidigidi, èyí tí ó lè má tòó.

(2) Inefficient management # Àìjáfáfá ìdarí: Ìgbìmọ̀ tó wà ní ìgbọ́nnú ìṣàkóso sábà máa ń níkòósínú àwọn ènìyàn tí kì í ṣe alákànṣe, tí wọ́n sì jẹ́ adarí aláàbọ̀ àkókò; nípa bẹ́ẹ̀, a lè má darí ẹgbẹ́ náà pẹ̀lú ìlapa àti ìjáfáfá.

(3) High rate of embezzlement # Ìdíwọ̀n gíga ní ti ìkówójẹ: Púpọ̀ jùlo nínú àwọn aṣíwájú ẹgbẹ́ aláfọwọ́sowọ́pọ̀ jẹ́ oníbàjẹ́ gidigidi; apákan nínú wọn máa ń gùn lé ìkówójẹ àti àṣìlò owólílò tó jẹ́ ti ẹgbẹ́.

(4) Problem of loan recovery # Ìṣòro ní ti ìgbàpadà ẹ̀yáwó: Ẹgbẹ́ náà lé má rìí ẹ̀yáwó tí a fún àwọn ènìyàn gbà padà; èyí sì lè kó àìfararọ bá ẹgbẹ́ náà. Ìgbàpadà ẹ̀yáwó máa ń ṣòro, kódà ó máa ń jẹ́ kò-ṣeéṣe ní àwọn ìgbà mìíràn.

(5) High level of illiteracy # Àkàsọ̀ gíga ní ti àìmọ̀ọ́nkọ-mọ̀ọ́nkà: Púpọ̀ jùlọ nínú àwọn ọmọẹgbẹ́ aláfọwọ́sowọ́pọ̀ máa ń jẹ́ aláìmọ̀ọ́nkọ-mọ̀ọ́nkà, irú àwọn ènìyàn wọ̀nyí kò lè ní ìdásí dídára sí ìdàgbàsóke ẹgbẹ́.

(6) Lack of initiative # Àìsí ọgbọ́n àtinúdá: Kì í sábà sí ọgbọ́n àtinúdá fún ẹnìkọ̀ọ̀kan ní bí ẹgbẹ́ náà ṣe máa ń fún olúkúlùkù ní ẹ̀tọ́ àti àǹfààní kannáà.

(7) Evasion of tax # Ìsá fún owóorí: Púpọ̀ jùlọ nínú èrè àyọkù ti ẹgbẹ́ aláfọwọ́sowọ́pọ̀ ni a kì í sábà buwóorí lé, bíkòṣepé wọ́n máa ń pín in láàárín ara wọn ni.

(8) Limited expansion # Ìgbèrú onígbèdéke: Àwọn ẹgbẹ́ aláfọwọ́sowọ́pọ̀ lọ́pọ̀ ìgbà kò lè gbèrú látàrí ojúowó onígbèdéke tí ó wà fún wọn.

(9) Lack of discipline # Àìsí ìbáwí: Púpọ̀ jùlọ nínú àwọn ọmọẹgbẹ́ kò ní ìbáwí ní bí wọ́n ṣe máa ń tọwọ́ bọ àwọn akitiyan tó lè fa àìṣọ̀kan láàárín àwọn ọmọẹgbẹ́.

(10) Government intervention # Ìdásí ìjọba: Ìjọba lè nídàásí nípasẹ̀ àwọn oríṣi ìkójàánu kan lórí àwọn ẹgbẹ́ aláfọwọ́sowọ́pọ̀; èyí sì máa ń fẹ́ fa ìlọ́ra fún ìṣísẹ̀ ìdàgbàsókè àwọn ẹgbẹ́ náà.

~Hakeem O. Adeniyan, 30 Jan. 2022

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Economics In Yoruba Language

CO-OPERATIVE SOCIETIES # ẸGBẸ́ ALÁFỌWỌ́SOWỌ́PỌ̀

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