120 AGRICULTURAL CREDIT BANKS 



of its members. Most of these efforts have hitherto 

 ended in failure, as an attempt was usually made to 

 attract too many persons. People were included who did 

 not understand the true meaning of such a fund, and who 

 had not complete trust in each other, who were in reality 

 only looking for gain without taking into account the 

 chances of loss, and who failed to realize that everyone 

 must begin by appreciating his citizenship and by show- 

 ing that he does so. Efforts have been made sporadic- 

 ally to promote a community of interests by the establish- 

 ment of a fish auction, by planting for joint account, and 

 selling tea and other produce. Here also those interested 

 have so far shown an insufficient sense of devoting and 

 asserting themselves, expecting everything from the 

 organizers. Slowly, however, the people are beginning 

 to understand, and the more emancipated are endeavour- 

 ing by co-operation and mutual furtherance of their 

 material interests to emulate and get level with the non- 

 native, especially by the establishment of trading and 

 land exploitation concerns, as well as of credit asso- 

 ciations. 



This tendency is recognized by the Government, and 

 it is contemplated to introduce a legal ordinance relating 

 to co-operative societies, the existing Acts not being 

 sufficiently applicable. 



OFFICIAL STAFF FOR THE ORGANIZATION, PROMOTION, AND 

 GOVERNMENT SUPERVISION OF THE POPULAR CREDIT 

 BANK SYSTEM. 



Whilst the establishment of popular credit institutions is 

 locally under the care and guidance of the European and 

 native administrative officials and the village chiefs, lower 

 native Government functionaries (mantris) are entrusted 

 with the regular supervision of the existing communal 

 credit institutions and with assisting in establishing new 

 ones; on an average there is one mantri to fifty institu- 

 tions. The mantris are under the control of European 

 and native officials, who superintend part of a district or 

 one or more districts, and who also, accordingly as 

 required by the organization and as the institutions 

 become capable of managing their own affairs, relieve 



