380 CONCLUSION AND RECOMMENDATIONS 



etc., the supply of which would mean that the 

 artisans who had saved the money would get 

 not only as good a rate of interest as they do at 

 present, but a bonus thereon in the form of more 

 employment. 



It may, perhaps, be thought a matter well 

 worth considering whether or not anything can 

 be done in this direction, thus rendering the 

 savings in question directly reproductive. But 

 in any case the scope of the Co-operative Banks 

 Association will have to be widened, or some 

 fresh arrangements effected so as to extend the 

 advantages of co-operative credit to other than 

 simply the humblest of agriculturists ; and in 

 this connection it may be found desirable to 

 amalgamate the Agricultural Organization 

 Society and the Co-operative Banks Associa- 

 tion, so as to give greater force to the efforts 

 that each is making. How intimately agricul- 

 tural organization and co-operative credit are 

 associated I have already shown, and much 

 better results would doubtless be gained by 

 bringing these two phases of one and the same 

 general movement into close touch — each 

 directly operated by a committee of experts, 

 with its staff of officers, but each forming part 

 of one and the same body — than if they worked 

 in complete independence the one of the other. 



