Show CO OPERATIVE cooperative CREDIT UNION IS ADVOCATED handy for farmer who Is oper 6 abing on small scale M many any know too little about financial transactions and do not re ne calve affirmative attention and sympathy ef cf bankers prepared Prepa iod b by tho the united states department of 0 agriculture A oystein of personal unions especially for tho the benefit ot of farmers whose circumstances and settle of operations make it difficult for them to secure through ordinary channels Is I 1 recommended in tile tho annual report of the secretary of agriculture tile tho men I 1 have especially in mind anys tho the secretary aro are those dioso operations are anro on a sn lall settle and who ho are riot la in most cases intimately in with cry who know too little about finau clot operations and whose cages usually do not receive we tho attention and sympathy of the banker such farmers would bo be much benefited by a membership tit in operative cooperative co credit associations or unions of course there tire still other farmers whose standards of living nud and productive ability tire low who usually cultivate tile the less satisfactory lands who might not be received for the present into such associations ns this class peculiarly excites interest and sympathy but it Is cult to see sea tiow how immediately tiny icy concrete financial cial arrangement will reach it the cuu call ilone done for element dement of our farming population are the ille things that agricultural agencies nib alre doing for nil all classes but must do for it alth peculiar zeal tho the up to the solution of it its difficulty Is tin n educational one involving better farming marketing schools henlin ur nr and more sympathetic aid from tile tho merchant and tho the banker it I 1 tile the iueli men of tha towns and cities primarily on the rural districts realize that alint the tha salvation of their communities depends rn on tile fhe of too the back country and will glye thear izing ability to tho the solution of the problem al in imp tort port of the plans plana of alio organized ag rl cultural agencies responsible for leade leadership iship much headway will bo be made write the found foundation atlon for foe effective work i tin in this thin direction esthe successful pro 0 motion of operative cooperative co associations among farmers not only for better finance but also for better production distribution and higher living condl eions these activities tire of primary importance at tho the same time it ita la Is recognized that such operation cooperation co can not be forced upon it community but must be a growth result resulting irig from the volunteer intelligent effort tort of the farmers thein themselves selves tho the conclusion up to tho the present says pis tho the secretary to be that tho the field Is one primarily for the states to occupy through jouno legis lation under laws adopted in five states personal credit associations linao been organized but the larger percentage of them havo been formed by wago wage camera in urban centers tho the attempt to develop strictly rural credit bottles bodies ling lias met with somewhat more dioro success in north carolina than elsewhere the report states tates fc in this abla state the work ork of promoting and supervising such organizations was placed in ili charge of nn an official in n tile the division of or markets and rural organization of tho the state college of agriculture ri culture the law of this state was waa enacted in ili 1015 and nt at present IS 18 credit unions nil all of them rural are in 0 it Is noteworthy orthy that the north carolina law makes special provision for and st activities |