Digital Cooperatives Are Rising in India and Most People Have Already Used One Without Knowing

Digital Cooperatives Are Rising in India and Most People Have Already Used One Without Knowing

The last time you ordered groceries through a government-backed e-commerce network or checked fertiliser prices on a farming app, there’s a reasonable chance a cooperative was sitting quietly on the other side of that transaction. I’ve been tracking India‘s cooperative sector for years now, and the thing that strikes me most in 2026 isn’t a … Read more

The Cooperative That Employs 80,000 People With No CEO — Mondragón vs IFFCO Explained

The Cooperative That Employs 80,000 People With No CEO — Mondragón vs IFFCO Explained

In the rain-soaked hills of Basque Country, Spain, a factory worker casting engine parts earns no less than one-sixth of what the highest-paid manager takes home — and that manager was elected by the very workers on the shop floor. Meanwhile, in Kalol, Gujarat, a marginal farmer holding two bighas of land collects his subsidised bag of Nano Urea from the local society, blissfully unaware that his purchase traces back to one of the world’s largest fertiliser cooperatives headquartered over a thousand kilometres away in New Delhi. Two cooperatives. Two continents. Two radically different answers to the same question: can ordinary people govern an enterprise worth billions?

I have spent years covering India‘s cooperative sector for IICTF, and no comparison sharpens the ideological fault lines of the movement quite like placing Mondragón Corporation beside IFFCO (Indian Farmers Fertiliser Cooperative Limited). One has no CEO and lets workers vote on salaries. The other has a Managing Director, a government-linked board, and serves over 35,000 member cooperatives across India. Both are wildly successful. Both claim the cooperative identity. Yet their DNA could not be more different.

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Could Your Next Bank Be Owned by the People Who Borrow From It?

Could Your Next Bank Be Owned by the People Who Borrow From It?

The largest credit union in the United States holds more than $170 billion in assets and serves over 13 million members — yet most Americans still think of it as a niche alternative to “real” banking. Navy Federal Credit Union has no shareholders. It has members, and those members are also its borrowers, its depositors, … Read more