This report scrutinizes the sustainability of operations of five large member-based financial institutions in Fiji and their potential to contribute to financial inclusion. It reveals that all these institutions have been coping with difficulties resulting from inflexible regulations, a challenging economy, and ineffective governance and management structures.

At the same time, these four credit unions and one credit and thrift co-operative have continue to operate and serve members while the majority of financial co-operatives have failed. The report concludes by providing options for these institutions to better serve members and others and in doing so become instruments of financial inclusion.