xii Contents 



PAGE 



The District Exchange 243 



The Central Exchange 243 



Fixing a Price ......... 246 



Present Cooperative Methods of Citrus Distribution . . 247 



The Cooperative Distribution and Sale of Other Farm Products . 248 



CHAPTER IX 



COOPERATION IN THE PURCHASE OF SUPPLIES 



(PAGE 250) 



The Organization of a Supply Company ..... 250 



Method of selling Supplies to the Members ..... 252 



A Fruit-growers' Supply Company 254 



CHAPTER X 



COOPERATION IN IRRIGATION (PAGE 258) 



Progress of Cooperative Irrigation Enterprises .... 259 

 Methods of Organizing, Financing, and Operating Water Compa- 

 nies in Southern California 261 



CHAPTER XI 



RURAL CREDIT (PAGE 271) 



National Interest in Rural Credit ...... 272 



Cooperative Credit Unions in the United States .... 274 



The Jewish Credit Unions 274 



The Cost of Credit to the American Farmer .... 277 



The Individual Credit System 278 



The Crop Lien 279 



The Store Credit System 280 



Bank Credit 282 



The Need of a Better Rural Credit System 283 



The Raiffeisen Banks 286 



Organization and Management ...... 287 



