n8 



AGRICULTURAL CREDIT BANKS 



(l) LOEMBOENG DESSA OR LOEMBOENGS NEGARI. 



Java and Madoera : 



Number 12,282 



Assets ... ... 2,66r,ooo piculs padi ... fl. 2,988,000 in cash 



Liabilities ... 218,000 ,, ,, ... 902,000 ,, 



(2) DESSA OR NEGARI BANKS. 



Number Assets Liabilities 



Java and Madoera ... 1,300 ... fl. 800,000 ... fl. 418,000 (including deposits 



fl. 227,000) 

 Outer possessions ... 406 .. 112,000 ... 109,000 (deposits) 



(3) REGENCY, DEPARTMENTAL, OR RESIDENCY BANKS. 



Co-operative Credit Banks. Contrary to what is 

 found in most other countries, the popular credit banks 

 in the Netherland East Indies, as will appear from the 

 foregoing, do not emanate from co-operative societies 

 direct, although those interested in these do contribute 

 to the formation of working capital and have a voice in 

 the native communal banking institutions. All banks, in 

 fact, are in a more or less considerable degree under the 

 influence, and even under the direct orders, of the State 

 and village authorities, although it is intended gradually 

 to curtail such interference and render it finally super- 

 fluous. The reason why the popular credit bank system 

 has not at once been founded and built up on a purely 

 co-operative basis is the necessity on the part of the 

 superior authorities of improving without delay the need 

 of credit and the periodically recurring condition amongst 

 small farmers of scarcity of food and of means of culti- 

 vation, an evil to which attention was drawn more 

 especially in the dry, and for agriculture so disastrous 



