The Bridgeport evening farmer., 1914-02-06
--- -.s. l.-+ . .dol1ar nn t1,ase loana.

has not lost a dollar on these lOAAS.
 The small credit union of the Ra1f- feisen type is. of course, almost un-z known except among the Jewish far mers who have four rural credit asso- ciations situated respectively in F.alr-. field Ellington, Lebanon and Colches- ter. Authoritative reports are not at hand but it is understood that the me{nbers of these small credit banks are permitted to borrow cap1tal rom inc Hirsch funds and then to lend It among themselves for productive pun poses It is possible that the Key to the problem of this sort of credit Tor farmers of very small means may thus be furnished by the foreigners who are steadily taking up the reno fer farming lands of the state.
 There are few if any co-operat1ve societies in the strict sense Tor eltn- Ter production or distribution: nor is the nature of these societies generally understood
 Schools of State.
 schools vary from the very good to the pretty poor; but the quality Of the latter is being steadily improyed by state supervision, the groWth or public opinion and the general insist ence upon professional training TOT the teachers. The fact that so many children in rural communities are obliged to go to larger centers in or der to complete their high school courses has its unfoFtunate side. While the training in the larger schools of- ten rouses their ambition, 1t has also a strong tendency to divorce them from the country when in search of a field ywhereon to exercise It.
 States Rural Needs.
 These are the conditions. The needs may be summed up as follows:
 l. Better acquaintance with the methods of good farming and the op- portunfties for it in Connecticut. The a asricultural college is doing some thing to meet this need. Ita work should be snpplem tented by rural schoolse which should do for country boys and girls what the manual train ing and trade schools do for the chil- dren in towns.
 2. Intelligent cooperation among farmers forS the purposes of us ing. the most approved methods and rnachin- cries of production, for the standard ization of product, and in particular for more efficient and economical marketing in the great centers of population which are so near to Con- necticut.
 g. More careful study by the farm CTS of the credit problems involved in their work and what farmers else where are doing to solve them; and an effort the part of the bankers to cultivate more carefully the field W It seems to your committee that the credit facilities of Connecticut are al- ready of such a character that a wise extension of their use would go far to- ward meeting the needs of the peo- pie; and that 1t is doubtful whether credit unions of the Reifeisen type would find congenial soil among our farming population, especially if these unions were characterized, as is us ua1 by the unlimited liability of the members.
 4. Such notifications of both law and custom as will will make possible longtime loans on land with amorti- zation, thus encouraging the borrow CT constantly to better his position by small, regular and required partial payments, and by the prospect of a. complete and easy discharge of hi, debt at the time of his notes matur- ity.
 Whether to accomplish this most effectively it will be advisable to or ganize an institution of the Lands chaft type and issue bonds against these mortgages the committee does not undertake to say. If this were to be done simp1if1cation of our methods of land registration and the adoption of something like the Tor rens system would be needful and thera wal1Id hA mad of f11rthAx atm rIi-