(क)अन्तराष्ट्रिय सहकारी महासंघद्वारा पारीत सहकारीका निम्न सात सिद्धान्तहरु यस विनियमको अभिन्न अंग हुनेछन् । यी सिद्धान्तहरुको अनुसरण गर्ने र गराउने गरी संस्थाका क्रियाकलापहरु निर्देशित हुनेछन् ।
- (१) स्वेच्छिक तथा खुला सदस्यता ।
- (२) सदस्यहरुद्वारा प्रजातान्त्रिक नियन्त्रण ।
- (३) सदस्यहरुको आर्थिक सहभागिता ।
- (४) स्वायत्तता तथा स्वतन्त्रता ।
- (५) शिक्षा, तालिम र सूचना ।
- (६) सहकारीहरु वीच सहयोग ।
- (७) समुदाय प्रति चासो ।
(ख) बचत तथा ऋण कारोबार गर्दा विश्व ऋण परिषद् ९ध्इऋऋग्० द्वारा प्रतिपादित ९ वटा सिद्घान्तहरुलाई पनि मार्ग दर्शनका रुपमा लिइनेछ ।
(a) The following seven principles of cooperatives adopted by the International Cooperative Federation shall form an integral part of these regulations. The activities of the organization shall be guided by and in accordance with these principles.
(1) Voluntary and open membership.
(2) Democratic control by members.
(3) Economic participation of members.
(4) Autonomy and independence.
(5) Education, training and information.
(6) Cooperation among cooperatives.
(7) Concern for the community.
(b) The nine principles promulgated by the World Bank (WBF) shall also be taken as a guide while conducting savings and credit transactions.