Page:Indian Journal of Economics Volume 2.djvu/381

 PRACq'ICE O CO-OPERAI'ION $6? sicns k not yet been does not appear and the use of seriously faced. The problem o require more than a little diligence more than average intelligence. In  world of illiterates it would not be surprising if the man familiar with their accounts assumed also the management of their concern. It is neither his interest nor his business ever to initiate the members into the mysteries of his dti. Though the secretar is paid by the societies, he rightly regards himself as the servitor of the manager of the central bank who wields the power of retaining or removing him. Being under no responsibility to the societies he comes to regard himself as their master and gives himself unjustified airs--not an uncommon failing. of the subordinate staff in India. He hs powerful voice in the distribution o! the advances secured from the central bnk mong the members, nd not being dependent on their sweet will hs but sont for their opinions. should be directly I propose paid by that in any case societies--his the respect he real in the same the other village as the members hand, living must depend on their good will, and is bound to be more amen- able to their control than the itinerant accountant. The members are likely with their society and intercourse with their to acquire greater familiarity its management by'constant teacher-accountant who in his turn will appreciate the addition of Rs. 2 to Rs. 5 as a reward for his co-operative labors to his meagre emoluments for pedagogic activities. I now pass on to the direct relations between the central bank and its primary societies. The frequent auditing and supervisions by the central agency is all to the good of village-banks, but care must be taken not to meddle ing to the current practice. The school-master on masters, and not by the central bank indirectly accord-