The Indianapolis journal. [volume] (Indianapolis [Ind.]) 1867-1904, 1901-06-09

superinfendent saw him he recognized
man that mad received s. in money from
G. A r. post only the night before. With
sn two hours after the citizen sent this
case 70 the office he was supplied with
complete report of it.
MENDICANTS MAKE MONEY
why. mendicants have been known to
make as high as s a day" continued the
secretary. by disposing of articles given
them through msdirected charity. One OF
the greatest works performed by the So
ciety is showing individuals that they
have been duped by applicants for charity
who were not worthy. This creates and
strengthens confidence In the organization
and promotes its efforts. The central idea
OF the societys system is work. This is the
great test Of worthiness. and is perhaps
the most powerful repressive agent that is
known. II a man has any ambition at all
left in his composition he will prefer 10
work in return for aid than TO accept IL as
q bounty. OF course. If he has no ambition.
ne ought to be made TO work.
THE Legislature of Indiana has passed
many laws in aid of the repressive side of
the charity organizations work, such IS
the board OF guardians law. the compul-
sorry education law and the law regulating
chattel mortgages The latter act requires
every person loaning money chattel
mortgages to give a strict account of what
IL is for. ard when a receipt is given 1t
must specify how much OF the payment
was on account of principal and how much
on account of interest, also how much Of
the debt remains due. Before the passage
OF this law chattel mortgage sharks could
take away goods within half hour after
q default in payment had occurred. Now
they must pursue the regular legal course,
with the result that very little is heard
nowadays about goods being taken by chat
tel mortgage men. This law is helpful as
well as repressive. 1t represses the chat
tel mortgage sharks and helps the man who
borrowed the money by saving his goods
for him.
1.-The compulsory education law exerts a
powerful repressive effect upon unworthy
pauperism by taking away it's reliance upon
child labor. If the children are required TO
be in school they cannot, of course. be at
work begging for money upon which
worthless parents may exist without ex-
ertion on their part. An incident has al
ready been told to show how the board of
guardians law operates as "A repressive
agent II is also constructive in that it
and influences and places them in environ
ments in which they may develop into use
fui members of society
TIE BRIGHTER SIDE.
LET us turn now TO the brighter side of
the Charity Organization Socety's work
the constructive side" said the secretary.
Here one of the greatest agencies is the
savings branch. This started on very
tagents) discovered that certain people
to whom they had given aid were DESTROYS
of saving money toward their winters ex-
penses. The visitors began by receiving
small deposits here and there and saving
the money for the people. That was the
beginning of movement which has grown
TO be one of the greatest of its kind in the
country. When it started it was purely a
matter of charity. but now il has come to
be a savings institution for all working
people. with the charity feature praotic-
ally eliminated.
Last year over $4,000 was saved in In
dIanapolis By the large number of working
people who have become interested in the
savings society and have taken advantage
OF IL because no other agency of the kind
exists. A trust company will not accept a
.
The savings branch of the Charity Organi-
"a ton Society accepts any amount. Hun
dreds of it's depositors can only save 3
cents a week by the hardest kind of scrap
ing and the most rigid economy. When de-
posits grow to sufficient proportions the
society encourages it's depositors to place
the money in other institutions which can
afford TO pay interest. OF course many OF
headquarters of the society, but there are
many others who cannot spare the time
from their work necessary to make the
trip. and maybe they cannot afford the 10
cents car fare. In these cases the visitors
of the society collect the deposits free of
cost"
RUNS ON SAVINGS BANK.
do you ever have any runs on your
savings bank?" the secretary was asked
''Oh, yes. indeed we do he replied. "for
our depositors seem TO be easily frightened
The merest chance rumor will make them
panicky and they at once ask for their
money. So we always keep enough on hand
to withstand any run of appreciate extent
and loan the rest in such form that it can
easily be recalled If needed. At one time
last summer had about two hundred
CepOSllOrS Calling IOr tnelT savings every
day for a short interval That run was
caused by the report that the society
building. being on Square SO. would soon be
torn down to make room for the new fed
eral buildings. The people who had money
on deposit with the savings branch did not
know what might become of il I'm the hustle
and confusion of moving so they demanded
their money One poor old woman had 500
on deposit and drew ii all out. 1t was not
because she lacked confidence i'm the insti-
tuition, for in a few weeks she came back
with the very same money that she drew
cut and placed 1t on deposit again. together
with a little more that she had saved i'm
the meantime. She merely acted on i'm
pulse and then became ashamed of herself
''The savings branch comes out of these
runs stronger than ever before ana possess
Ing the confidence of its depositors i'm a
larger measure. OF course these runs make
a great deal of extra work. but they have
their compromising features
There is a side of the Charity Organiza-
tion Societys work" said the secretary
''that thus far has been only partial
success. for the reason that we have not
been financially able to develop It, This
is what is termed friendly visiting II
Is all very we'll 10 give immediate aid when
II Is needed. and IL is a good thing to en-
courage charity to work for them
selves there il another and in, r,v