CO-OPEEATIVE CEEDIT 131 



influence is still negligible, but in a district like the 

 Dharwar district, where there is a co-operative society 

 in more than one-third of the total number of villages, 

 its influence is considerable. The above figures are 

 exclusive of the non-agricultural credit societies ex- 

 isting in the Bombay Presidency, which have a work- 

 ing capital of Rs.68 lakhs. The societies are linked 

 together by Guaranteeing Unions, and the finance of 

 the movement is assisted by District Banks which 

 tap local capital, and by the Central Provincial Co- 

 operative Bank which is in touch with* the larger 

 money market of Bombay. The strength of the 

 system has been demonstrated in recent years of 

 financial difficulty, and the momentum which the 

 co-operative movement has acquired, as a result of 

 the disinterested labours of many enthusiastic workers, 

 permits the expectation that before many years the 

 bulk of the cultivators will be enabled to realise their 

 credit to the full, and to obtain as much capital for 

 current operations or for productive developments as 

 it is safe for them to handle. 



There is, however, assistance of another kind, of 

 which the cultivator stands in need for the supply of 

 his requirements and for the marketing of his pro- 

 duce. The establishment of Co-operative Societies 

 for such purposes is a recent offshoot of the credit 

 movement, but by 1920 there were 102 such societies 

 in the Bombay Presidency, of which twenty-six were 

 for the supply of manure, nineteen for the supply of 

 seed and thirteen for the supply of implements. 



