OP 00-O'E.AI02 capitalisafion of honesty that is feasible only to primary societies and personal character, and with the fullest liberty granted in assessing the ha?:?i?at--the assets--and fixing the loan-requirements of their mem- ber?. This however presupposes capacity and above all rectitude and impartmlity among the co-operators, which again leads back to the foundations. deney is all towards eentralisation The present ten- and concentration of. power in the hands of central banks which receive, scrufinise, and adjudicate on applications of .individual members for advances. The panches are left power- less and consequently irresponsible, not very unlike the mukhias or the village headmen in the U.P. As a consequence of their position they may get a larger share of the loans than they would otherwise do and as they are expected ?o be responsible for punctual collections from the rest of the members, they exercise a certain influence which is not always beneficent, for the example that they set themselves is usually not edifying. The spirit of genuine co-operation cannot take root in a population so poor and ignorant as ours unless more 'enthusiasm, a livelief sense of social service and a keener perception of agrarian needs is forth- coming in the organisafion and control of primary societies than can be expected from official direction. The official agency has done the pioneering work, but is now inadequate for purposes and propagandist duties. The outside pt?blie be invited to share the burden, though I know difficult it is ?o rouse the interest of many hopes and more disappointments. of further educational must how that body of Bu? i? mus? be done if the co-operative movement is to be vivified. And I have no doubt that there is staple spirit of social service and generous interest among our youth which w?.th proper guidance 'and right counsel can be
