The bill for messing myself, my wife, two children, and our English nurse, together with our horse-keep for five horses, our house rent being included, and the servants’ pay, was about thirty-five pounds a month. Of course our English nurse’s wages were not included in this, nor our bill for European wines and tinned provisions. These latter were, however, quite needless, save when travelling, when it is difficult to obtain supplies, or anything but the roughest food. I found the cost of living[16] pretty much the same in Ispahan, Teheran, and Shiraz. At Hamadan and Kermanshah prices used to be much less, but are now, I think, nearly the same.
As I previously stated, no European goes himself to the bazaar. To conclude a bargain with any Persian shopkeeper great haggling and waste of time is required; and so high are their ideas of the wealth of the Europeans, that it would be hopeless to attempt to deal with them personally. Honesty cannot be expected in the Ispahani or Teherani, but the Shirazi may be pretty fairly relied upon.
A peculiar custom is in force in Ispahan, which is possibly legal by the religious law. A man comes to a merchant and makes a bargain. In the morning he makes “Dubbeh,” i. e. repents of his bargain, calmly stating, “Makhmūn shūd um” (“I have been deceived”). And now the bargain is off! This is frequently done either to lower the price a little, or, when the article is a fluctuating one, such as opium, to take advantage of a rise or fall in the market. For this reason it is, that all contracts have to be in writing, and generally something is paid on account to bind the slippery Ispahani.
The difference between wholesale and retail is very great, the retailer not taking generally a profit of less than twenty per cent. The usual rate of interest in the bazaar is twelve per cent. per annum, i. e. one per cent. per mensem, simple interest. Most, in fact nearly all, mercantile transactions are on credit, discount for cash or a cash price being the exception. In fact, so common is credit that the price of a thing is quoted at so many months. Thus, in the case of loaf-sugar, it may be, say a toman (seven and sixpence) a maund of fourteen pounds and four months’ credit, or, when very cheap, eighteen months’ credit. The price would be quoted as either four or eighteen, meaning the amount of credit allowed, the actual price being the same. Most of the wholesale trade is done through brokers, who act as commercial travellers, and solicit orders on commission, which they generally manage to extract from both buyer and seller. Among the brokers a few honest men may be found, but they are rare exceptions.
The tager, or merchant class, are generally the most bigoted and penurious of the Persian race. Only on retiring from business do they dare to launch out into ostentation; for the mere suspicion of wealth in Persia exposes them to the exactions of those in power.
All disputes among merchants are settled by the mushtaheds, or teachers of religious law. No court fees are paid openly, but heavy bribes are often administered. Most questions are submitted by mutual consent to arbitration, and a mejlis (council of merchants) appointed by the disputants generally meet at the house of some mūlla, or religious personage. These, acting as assessors, settle the matter to the satisfaction of both parties. A definite judgment is seldom given for either plaintiff or defendant. A compromise is nearly always suggested and carried out. Cases of flagrant miscarriage of justice are not frequent. When they do occur, the merchants generally decline to resort to the court of the particular judge until he reconsiders the unsatisfactory decision, or by petition to the capital they effect his removal if obdurate. As both sides bribe, as a matter of course the judgments are generally fair, always specious. These bribes are termed “rūshwah” (manure).
THREE SHOPS IN THE BAZAAR.
(From a Native Drawing.)
The bazaaz, or shopkeeper, is the class next below the merchant. He obtains everything on credit, and has frequently no capital of his own. As a rule he has two prices, one for cash, the other for credit. To his credit customers he gives the worst of his merchandise, and tries to defraud them in the weight. The cash customers, whom he is very desirous of retaining, he treats better.