This dissertation explores the barriers to implementing microfinance practices among cooperatives in Cavite, Philippines, with focus on credit committees. While cooperatives play a vital role in financial inclusion and local economic growth, challenges such as limited funding, weak governance, and outdated financial practices hinder their effectiveness. Employing quantitative research method, with descriptive correlation data analysis approach, the study gathered data from 400 credit committee personnel. The study finds that reliance on member contributions, governance deficiencies, and inadequate financial technology adoption limit operational efficiency and competitiveness. To address these issues, the study proposes a seven-component framework emphasizing governance reforms, capacity building, financial technology integration, product diversification, funding expansion, financial literacy, and robust evaluation systems. Aligned with national financial inclusion goals and the Sustainable Development Goals (SDG), these recommendations aim to strengthen cooperatives, enhance financial stability, and promote sustainable economic development.

Keywords: microfinance practices framework, credit committee personnel, cooperatives, financial technology adoption, operational efficiency