GRANT OP LOANS AND ADVANCES TO AGRICULTURISTS. 



83 



209. Disbursement of loan, and inspection of work. In order to 

 secure that loans and grants are expended upon the objects for which 

 they are granted, it will be necessary to observe carefully the precautions 

 which we believe are already enjoined in all provinces, namely, the 

 inspection of the works and the disbursement of the money allotted in 

 instalments, the second instalments not being granted until the local 

 authority is satisfied that work to the value of the first has been execu- 

 ted. Where advances are large, it will be necessary to have a special 

 agency for inspection ; elsewhere probably the work can be done by the 

 ordinary establishments with such additional strength as may be 

 required for the distribution of advances on the larger scale now 

 contemplated. It is possible that the inspections may be turned by 

 subordinates into an occasion for black-mailing. But we do not see 

 how they can be dispensed with. The subordinates' inspections should 

 be checked as far as possible by superior officers, who should regard 

 this duty as one of the most important items of village inspection 

 work. Care should be taken that the advance or grant will fully cover 

 so much of the total outlay required to construct the work as the 

 borrower is unable to provide from his own resources. Insufficient 

 allotments merely lead to waste and tempt the borrower to misapply 

 the money received. 



210. Forecast of outlay in each province. In order to give some 

 rough idea of the sums which may have to be provided during the 

 first few years until repayments of takavi bagin to flow in, we 

 hazard the following forecast of the amounts likely to be required 

 annually in each province : 



