The Columbus dispatch. (Columbus, Miss.) 19??-1922, 1921-03-02

holding up the picture OF the properly
equipped farm home with the modern
conveniences as the ultimate reward
for effort.
(2)-By the local bankers lending
the necessary money to start the bust
ness of poultry-raising, to those wo-
men who have manifested their will
lingness to work in the game, by join
ing the clubs, subscribing to the rules
and pledging themselves to meet all
the requirements, and who come to the
bank with the Recommendation of the
Club President and the County Agent
as to character, habits and ability.
The banks to make the loan on the
simple 81 Promise to Pay" with the
current rate of interest, at some
specified definite date.
1t should be understood that the
borrower would at once-or on receipt
of her proceeds for the first sales
start a savings account with the bank,
adding to the account from time to
time as sales are made, to provide for
the maturing note and also provide
an adequate balance upon which fur
Their and future loans might be
prcdicated
When the loan shall have been paid
off. and a balance established and
maintained, then the bank would be
justified in making a loan that would
enable the woman to get the desired
home conveniences. The liquidation
of this loan would be comparatively
easy, for by the time it was made, the
woman would certainly have learned
the poultry business and established
habits of thrift and energy which
would justify the confidence of the
banker.
Surely experience has taught us
that such loans would be perfectly
safe, and it is equally certain the
banker would get his reward in the
shape of additional depositing custo-
mers. The money coming in from the
sales of the poultry would provide in
creased deposits, which in turn would
soon be working for the benefit of the
bank and the entire community.
AS custodian of the funds of COM
munity, the proper use and growth of
those funds is a duty and response
bility. of the bank. In this plan the
bank is given an opportunity to prop
erly function.
(3)--The marketing Of the product
is perhaps of as much, or more i'm
portance than is the production. And
as the merchants and business inter-
ests of our towns are, dependent upon
/ the farms and farmers of the COM
munity, it naturally follows that the
town and its citizens must justify both
the toll and existence by rendering
ervice to those who provide the
funds.
So, in this plan, the Commercial
Organizations Of our trade centers
have an opportunity Of helping in the
development of the farms, by provid-
ing ready cash market for the
poultry and eggs produced by the
members of the women's clubs.
| submit that, in the long run, the
town supporting the commercial or
ganization would find it very profit
able if said organization would under
take to buy and market all of the
products of the club women of its
community, paying cash, and at the
prices offered in Memphis, New Or
leans or st. Louis markets, less only
the cost of transportation.
The commercial body should bear
the expenses, other than transporta-
ton, out of its own funds, at least for
the time being, and it should extend
its marketing service only to the quail
flied club members.
This would not be a heavy burden
on the. commercial body, the woman
would be free to patronize whatever
bank or merchant she might choose,
and the value of the club membership
would be greatly strengthened.
Merchants frequently complain
about the inroads made by the mail
order houses into the volume of their
cash sales, and so the question arises,
what are the local merchants doing
to combat this growing habit, which
surely is an actual drain upon the
resources of the community? By fos-
tering this movement and providing a
ready cash market for such products
as the farm woman has to sell, does it
not follow, as the night the day."
that the woman from the farm would
just naturally rather spend her money
in her home town than to send it off
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MI AN'C