What do you mean by cooperatives? In which way cooperatives are helping farmers to get timely credit ? 

Cooperatives are people centred enterprises owned,controlled and run by and for their members to realise their common economic,social and cultural needs and aspiration and bring people together in a democratic and equal way.
They help farmers to get timely credit by linking farmers to markets,providing a collective platform for negotiating with buyers,offering aggregating,marketing and processing services,providing distribution channels for primary products and delivering training,business planning and capacity building services.