PRELIMINARY SURVEY OF CONDITIONS 7 



summer months need to borrow more money than the smaller 

 banks are able to furnish. 



Amount of Rural Business Transacted in the Town. — To 

 a local proprietary creamery it is of importance that the farmers 

 from the surrounding territory do their trading in the town in 

 which the creamery is located. The greater the territory the 

 town draws trade from, the better patronage the creamery wUl 

 receive, as farmers usually sell their cream where they do their 

 buying. It has also the advantage of enabling the creamery 

 man to meet more of his patrons and thereby to come in closer 

 touch with them. 



For the cooperative and the central creamery this factor is 

 of less importance. In the former case, farmers deliver their 

 cream where they are financially interested. In the latter case, 

 the central plant generally prefers to locate in some city where 

 other opportunities of greater importance are afforded. Such 

 concerns do not cater particularly to local producers, but de- 

 pend on raw material being shipped to them from long dis- 

 tances. 



Attitude of the Community Toward the Undertaking. — 

 Unless both the producers and the people of the town manifest 

 a reasonable amount of interest in the creamery undertaking 

 it will be more or less of an experiment as to outcome. A co- 

 operative creamery may be successful without the support of 

 the people of the town, but a proprietary plant should have 

 the support of both country and town people. 



If the people do not manifest any interest or if they show 

 unwillingness to support the local creamery, such indifference 

 or even unfriendliness may usually be traced to one or more of 

 the following causes: First, the people have had unpleasant 

 experiences with former local creameries; or, second, they con- 

 sider the men at the head of the undertaking as undesirable 

 persons with whom to do business; or, third, the community 

 as a whole is rather pessimistic and lacking in cooperative spirit. 

 Any one of these factors is well worth considering. Although 

 a manager may win out eventually in spite of it all, yet the 

 business will have proved more expensive by the time it is put 



