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Daisy Abiola Igaga argues that the cooperative model provides a more effective means for debt recovery We begin by appreciating the federal government for the very laudable economic intervention programmes it has initiated in recent times. We consider these programmes as fundamental interventions towards the economic recovery of the Nigerian State. In spite of the sophisticated content of these programmes as well as the scope of delivery projected for the programmes, the criticism of government on economic progress and general development has not abated. We do not intend to hold brief for the government. In a country where the insecurity situation is as abysmal as it is presently in Nigeria, the anti-government posture of the citizenry is given. However, it is important to avoid a narrative where we throw away the baby and the bathwater. It will be inimical to the interest of Nigeria if we do not applaud, and thereby seek to strengthen, the very laudable ongoing economic i ....