Troubleshooting and Pathology the Implementation of the Policy of Issuing Guarantees for Cooperatives in the Cooperative Investment Guarantee Fund

In this research, the implementation of the general policy "issuance of guarantees for cooperatives" has been complicated and analyzed. Using the Delphi method, the components related to the effectiveness of the implementation of this policy have been calculated using the opinions of 20 relevant experts. and then the level of realization of each is investigated and the complications are identified. The identified complications are categorized in seven areas including: technological infrastructure, customer and market, human resources, agencies, structure, processes and strategy, the most frequent of which are related to It is human power, customer and market.