The main function of thrift, credit and loans co-operative societies is to

The main function of thrift, credit, and loans co-operative societies is to raise investment finance among their members. This means that these societies help their members to pool their money together and invest it in various business ventures. By doing this, the co-operative societies enable their members to access funds and participate in investment activities that they may not be able to do individually.

Thrift, credit, and loans co-operative societies work by collecting money from their members, which is referred to as thrift. This money is then used to provide loans and credits to members who need financial assistance for various purposes such as starting a business, buying a house, or paying for education. The co-operative societies also disburse the money to their members, meaning that they distribute the funds to the individuals who have been approved for loans or credits.

In addition to providing financial services, thrift, credit, and loans co-operative societies also educate their members. They offer training and information on financial management, investment opportunities, and other related topics. This education helps members to make informed decisions about their finances and investments.

Therefore, the correct option is D: raise investment finance among their members. This reflects the primary role of thrift, credit, and loans co-operative societies in facilitating investment activities and providing financial services to their members.

Note: The answer may be wrong or the question incorrect given the options. The other options mentioned, such as educating members, collecting money, and disbursing money, are also important functions of thrift, credit, and loans co-operative societies. However, the primary function is to raise investment finance among their members.