Experience is knowing a lot of things you shouldn’t do.” William S. Knudsen

ELZUBI to Al-Ghad: Lack of Financing and Governance Keeps Local Cooperatives Trapped in a Vicious Cycle

ELZUBI concluded: the remedy must be systemic, not fragmented, and rests on several tracks—updating cooperative legislation to match today’s economy and facilitate mergers into viable entities; creating specialized financing funds with tools tailored to agricultural cycles and collective ownership rather than commercial lending templates; supporting digital transformation in management, marketing, and product traceability. He also called for building managerial capacity through professional executive management separating ownership from administration; linking cooperatives to value chains, food processing, and export; encouraging women’s and youth cooperatives as the highest developmental return; and forging tripartite partnerships among government, private sector, and international institutions such as FAO, IFAD, the World Bank, and ILO to transfer expertise, financing, and markets simultaneously.