RUSSIA - INSURANCE AND THRIFT 



Most of the societies in the first three of these groups live from day to 

 day, unable to foresee every year the sum which will cover the year's 

 expenses. Thus a surplus or deficit of from ten to a hundred francs ea- 

 sily occurs. 



§ 2. MUTUAI, SOCIETIES FOR INSURING I,IVE STOCK. 



The following data refer to mutual societies for the insurance of live 

 stock having a sphere of activity less than the territory of a government. 

 There were 125 of these at the end of 1914, distributed as follows among 

 the various governments: Nyland 6; Abo and Bjorneborg 8; Tavastehus 

 3 ; Viborg 26 ; St. Michel 5 ; Kuopio 5 ; Vasa 59 ; Uleaborg 13. 



The total sum insured at the end of 1914 was made up as follows : 



horses 34,l8i total insured value 12,090,842 francs . 



horned cattle . . . 42,685 " " " 5,008,672 



small live stock . . — >> ,, ... 20,733 " 



Total . . . 17,120,247 



If to these figures be added those of the four societies operating over 

 the whole country the insurance of live stock in the whole country at the 

 date mentioned was as follows : 



horses 62,004 total insured value 23,197,687 francs 



horned cattle . . . 60,461 " " " 7,699,752 " 



small live stock . . — " " " 20,733 



30,918,172 



The number of insured horses represents 20.9 per cent, of the total 

 number of horses, that of insured cattle 5.1 per cent of the total number 

 of cattle. 



As regards the amount of their insurance these societies may be grouped 

 as follows : 



