The sketch I have given of the agricultural banks will, perhaps, be sufficient to show what an immense educational and economic benefit they are likely to confer when they are widely extended throughout Ireland, as I hope they will be in the near future. Under this system, which, to quote the report of the Indian Famine Commission, 1901, 'separates the working bees from the drones,' the industrious men of the community who had no clear idea before of the meaning or functions of capital or credit, and who were generally unable to get capital into their industry except at exorbitant rates of interest and upon unsuitable terms, are now able to get, not always, indeed, all the money they want, but all the money they can well employ for the improvement of their industry. There is no fear of rash investment of capital in enterprises believed to be, but not in reality productive—the committee take good care of that. The whole community is taught the difference between borrowing to spend and borrowing to make. You have the collective wisdom of the best men in the association helping the borrower to decide whether he ought to borrow or not, and then assisting him, if only from motives of self-interest, to make the loan fulfil the purpose for which it was made. I was delighted to find when I was making an enquiry into the working of the system that, whereas the debt-laden peasants had formerly concealed their indebtedness, of which they were ashamed, those who were in debt to the new banks were proud of the fact, as it was the best testimonial to their character for honesty and industry.[[39]]
One other sphere of activity worked by the co-operative associations needs a passing notice. The desire that, together with material amelioration, there should be a corresponding intellectual advancement and a greater beauty in life has prompted many of the farmers' societies to use their organisation for higher ends. A considerable number of them have started Village Libraries, and by an admirable selection of books have brought to their members, not only the means of educating themselves in the more difficult technical problems of their industry, but also a means of access to that enchanted world of Irish thought which inspires the Gaelic Revival to which I have already referred. Social gatherings of every kind, dances, lectures, concerts, and such like entertainments, which have the two-fold effect of brightening rural life and increasing the attachment of the members to their society, are becoming a common feature in the movement, and this more human aspect has attracted to it the attention of many who do not understand its economic side. We have gratifying evidence from many of the clergy that the movement thus developed has kept at home young people who would otherwise have fled from the continued hardship and intellectual emptiness of rural life at home.
These results are in no small measure due to the zeal and devotion of the governing body and staff of the I.A.O.S. The general policy of the society is guided by a committee of twenty-four members, one-half of whom are elected by the individual subscribers and the other half by the affiliated societies. It is representative in the best sense and influential accordingly. The success of the Committee is no doubt mainly due to the wisdom which they have displayed in the selection of the staff. In the most important post, that of Secretary, they have kept on my chief fellow-worker in the early struggle, Mr. R.A. Anderson, who has devoted himself to the cause with all the energy of a nature at once enthusiastic, unselfish, and practical, and who has succeeded in inspiring his staff of organisers and experts with his own spirit. Among these, two deserve special mention, Mr. George W. Russell, one of the Assistant Secretaries, who has, under the nom de plume "A.E.," attained fame for a poetry of rare distinction of thought and diction, and Mr. P.J. Hannon, the other Assistant Secretary, who has proved himself a splendid propagandist. Each of these gentlemen has brought to the movement a zeal and ability which could only come of a devotion to high ideals of patriotism, curiously combined with a shrewd practical instinct for carrying on varied and responsible business undertakings.
With the growing work the staff has been repeatedly augmented to enable the central society to keep pace with the demand made by groups of farmers to be initiated into the principles of co-operative organisation and the details of its application to the particular branches of farming carried on in their several districts. At the same time the societies which have been established need, during their earlier years, and with each extension of their operations, constant advice and supervision. Hence skilled organisers have to be kept to form co-operative dairy societies, inspect creameries, and give technical advice upon the manufacture and sale of butter, the care of machinery, the adequacy of the water supply, the drainage system, and many similar technical questions. Others are employed to start poultry societies, which when organised have still to be instructed by a Danish expert in the proper method of packing, selecting, and grading the eggs for export. In tillage districts there is a constant demand for organisers of purely agricultural societies, which aim at the joint purchase of seeds and manures, of implements and other farm requisites, and at the better disposal of produce; while the growing importance of an improved system of agricultural credit keeps four organisers of agricultural banks constantly at work Home industries, bee-keeping, and horticulture, may be added to the objects for which societies have been formed and which require separate expert organisers. And in addition to all this work, the central association has found it necessary to keep a staff of accountants, versed in the principles of co-operative organisation, to instruct these miscellaneous societies in simple and efficient systems of bookkeeping, and in the general principles of conducting business. To complete the description of the propagandist activities of the central body, there is a ceaseless flow of leaflets and circulars containing advice and direction to bodies of farmers who, for the first time in their lives, have combined for business purposes; while a little weekly paper, the Irish Homestead, acts as the organ of the movement, promotes the exchange of ideas between societies scattered throughout the country, furnishes useful information upon all matters connected with their business operations, and keeps constantly before the associated farmers the economic principles which must be observed, and, above all, the spirit in which the work must be approached, if the movement is to fulfil its mission.[[40]]
One of the difficulties incidental to a movement of this kind, which, for the reasons already set forth, had to be rapidly and widely extended, was the enormous cost to its supporters. It is needless to say that such a staff as I have described could not be kept continuously travelling by rail and road for so many years without the provision of a large fund. These officers must obviously be men with exceptional qualifications, if they are not only to impress the thought of their agricultural audiences, but also to move them to action, and to sustain the newly organised societies through the initial difficulties of their unfamiliar enterprise. Such men are not to be found idle, and if they preach this gospel, they are entitled to live by it. They are not by any means overpaid, but their salaries in the aggregate amount to a large annual sum. Before the creation of the Department of Agriculture and Technical Instruction in 1900 large sums were spent by the I.A.O.S. not only in its proper work of organisation, but also in giving technical instruction, which was found to be essential to commercial success. When the Society was relieved of this educational work many of its supporters withdrew their subscriptions under the impression that there was now no longer any need for its continued existence. But so far from the Society's usefulness having ceased, it has now become more important than ever that the doctrine of organised self-help, which must be the foundation of any sound Irish economic policy, should be insisted upon and put into practical operation as widely as possible. All those who are devoting their lives to the firm establishment of this self-help movement among the chief wealth-producers of the country are agreed that no better educational work can be done at the moment than that which is bringing about so salutary a change in the economic attitude of the Irish mind.
It is not to be wondered at that the greater part of the necessary funds should have been drawn from a very limited circle of public-spirited men capable of grasping the significance of a movement the practical effect of which would appear to be permanent only to those who had a deep insight into Irish problems.[[41]] The difficulty of a successful appeal to a wider public has been the impossibility of giving in brief form an adequate explanation, such as that which it is hoped these pages will afford, of the part the movement was to play in Irish life. We were asked whether our scheme was business or philanthropy. If philanthropy, it would probably do more harm than good. If business, why was it not self-supporting? I remember hearing the movement ridiculed in the House of Commons by a prominent Irish member on the ground that the accounts of the I.A.O.S. showed that £20,000 (£40,000 would be nearer the mark now) had been put into the 'business,' and that this large capital had been entirely lost! When we proved that agricultural co-operation brought a large profit to the members of the societies we formed, it was suggested that a small part of this profit would give us all we required for our organising work. So it will in time, but if instead of merely refusing financial assistance to our converts, we were, on the other hand, to demand it from them, we certainly should not lessen the difficulty of launching our movement among the farmers of Ireland. Some of our critics denounced the expenditure of so much money for which, in their opinion, there was nothing to show, and said that the time had come to stop this 'spoon-feeding.' When those for whose exclusive benefit the costly work had been undertaken learned that all we had to offer was the cold advice that they should help themselves, they not infrequently raised a wholly different objection to our economic doctrine. Spoonfeeding they might have tolerated, but there was nothing in the spoon! The movement has survived all these criticisms. The lack of moral and of financial support which retarded its progress in the early years, has been so far surmounted The movement may now, I think, appeal for further help as one that has justified its existence. The opinion that it has done so is not held only by those who are engaged in promoting it, nor by Irish observers alone. The efforts of the Irish farmers so to reorganise their industry that they may hopefully approach the solution of the problems of rural life are being watched by economists and administrators abroad. Enquirers have come to Ireland during the last two years from Germany, France, Canada, the United States, India, South Africa, Cyprus and the West Indies, having been drawn here by the desire to understand the combination of economic and human reform. It was not alone the economic advantages of the movement which interested them, but the way in which the organisation at the same time acted upon the character and awoke those forces of self-help and comradeship in which lies the surety of any enduring national prosperity. A native governor from a famine district in the Madras Presidency, who, perhaps, better than any one realised the importance of these human factors, because the lethargy of his own people had forced it on his notice, said, when he was referred to the Department of Agriculture and Technical Instruction for information, "Oh, don't speak to me about Government Departments. They are the same all over the world. I come here to learn what the Irish people are doing to help themselves and how you awaken the will and the initiative." I hope to show later that State assistance properly applied is not necessarily demoralising but very much the reverse. It is consoling, too, to our national pride, long wounded by contemptuous references to our industrial incapacity as compared with our neighbours, to find that our latest efforts are regarded by them as worthy of imitation. From the other side of the Channel no less than five County Councils have sent deputations of farmers to Ireland to study the progress of the movement, and already an English Organisation Society, expressly modelled upon its Irish namesake, has been established and is endeavouring to carry out the same work.
It is not surprising that the facts which I have cited should be interesting to the honest inquirer. A summary of actual achievement will show that this movement has spread all over Ireland, that its principle of organised self-help has been universally accepted, and that nothing but time and the necessary funds are required by its promoters to give it, within the range of its applicability, general effect. It is no exaggeration to say that there has been set in motion and carried beyond the experimental stage a revolution in agricultural methods which will enable our farmers to compete with their rivals abroad, both in production and in distribution, under far more favourable conditions than before. Alike in its material and in its moral achievements this movement has provided an effective means whereby the peasant proprietary about to be created will be able to face and solve the vital problems before it, problems for which no improvement in land tenure, no rent reductions actual or prospective, could otherwise provide an adequate solution. Furthermore, nothing could be more evident to any close observer of Irish life than the fact that had it not been for the new spirit which the workers in this movement, mostly humble unknown men, had generated, the attitude of the Irish democracy towards England's latest concession to Ireland would have been very different from what it is. In the last dozen years hundreds and thousands of meetings have been held to discuss matters of business importance to our rural communities. At these meetings landlord and tenant-farmer have often met each other for the first time on a footing of friendly equality, as fellow-members of co-operative societies. It is significant that all through the negotiations which culminated in the Dunraven Treaty, landlords who had come into the life of the people in connection with the co-operative movement took a prominent part in favour of conciliation.
I would further give it as my opinion, whatever it may be worth, that the movement has exercised a profound influence in those departments of our national life where, as I have shown in previous chapters, new forces must be not only recognised but accepted as essential to national well-being, if we are to cherish what is good and free ourselves from what is bad in the historical evolution of our national life. In the domain of politics it is hard to estimate even the political value of the exclusion of politics from deliberations and activities where they have no proper place. In our religious life, where intolerance has perpetuated anti-industrial tendencies, the new movement is seen to be bringing together for business purposes men who had previously no dealings with each other, but who have now learned that the doctrine of self-help by mutual help involves no danger to faith and no sacrifice of hope, while it engenders a genuinely Christian interpretation of charity.[[42]]