PROVISION OF BORROWING FACILITIES. 443 



not allow that aimless drifting which is certain to end on the 

 rocks of monetary loss. It is essential that a Registrar should properly 

 appreciate the means at his disposal and he definite in his purposes and 

 aiirs. For, when all is said and done, it is the Registrar who has to 

 frame the policy of co-operative banks; and it must be his care to 

 make this policy generous and comprehensive. There has of recent 

 years been much discussion on all sides as to what Registrars should 

 do and should not do. Similaryj there has been much argument as to 

 the exact p irt which Government should take in the co-operative 

 movement. This paper has been written in the hope that an account 

 of our development and our experience in the Central Provinces may 

 assist in the solution of these problems. I have tried to show that 

 where officials and unofficials have worked earnestly together for the 

 cause, there, and there only, have good results been obtained. Where 

 on the other hand, such co-operation has unfortunately been absent 

 nothing has been accomplished. It appears to me that the future of the 

 co-operative movement in India depends upon the continuance of an 

 equitable partnership between the State and people, and I believe 

 that this will become more and more evident as our co-operative 

 education proceeds. That popular effort will speedily gain in strength 

 and volume must be our pious wish. 



