The thrift and credit cooperative is set up to help deal with members' socio-economic problems. It is a type of financial institution promoting savings as well as providing loans, using principles of self help and mutual help. Specifically, this cooperative's objectives are as follows :-

             To encourage thrift among members. To encourage the habit of savings, the cooperative currently offers two types of savings:-
             Shares. The cooperative sets that members must pay monthly shares at rates set by themselves. These may be deducted directly from monthly salaries. Dividends are paid to members at rates specified according to cooperative law, without tax deductions. When resigning from a cooperative, the member can withdraw his/her shares.
             Deposits. Both savings and fixed deposits are offered to cooperative members. Interest on these deposits may be equal to or higher than commercial bank rates depending on the financial status of each cooperative.

             To provide loan services to members. Members' shares and deposits comprise the loan funds made available to members in need. Interest on these loans are usually at rates lower than that of the prevailing market. There are currently three types of loans available:-
             Emergency loans. In crisis or emergency situations, a member may borrow up to one half of his/her monthly income, depending on the financial status of the cooperative. Repayment is normally made in two installments, without collateral.
             Ordinary loans. The cooperative can provide an ordinary loan up to a maximum of one-half of a member's monthly income, again depending on the financial status of the cooperative. These can be between 4 to 15 times, or within the range of Baht 40,000 to 300,000. Normal repayment is from 24 to 72 installments, with one other member acting as guarantor. The maximum amounts allowed for emergency and ordinary loans are based on the average amount of members' incomes.
             Special loans. When the cooperative services can be made available to members for housing and investment purposes. A member may borrow the actual amount required for investment or to purchase house and/or land, not exceeding the ceiling amount of between Baht 400,000 to 1,000,000. Repayment period is between 10 to 15 years, using real property as collateral.