The application of co-operation in the congested district

Abstract

On thinking over my subject I have found it necessary to preface that part of my remarks which deals directly with the application of co-operation to the Congested Districts, with a consideration of the people themselves and their economic condition. If I repeat some truths which are antiquated, and some facts you are already familiar with, in speaking of the people and their circumstances, I hope you will not be wearied before I come to the remedy which is at least novel in many of its features. But in economic questions the essential factor is always the human one. I am convinced that most economic evils can be generally traced back to some defect in character or some lack of knowledge on the part of those who suffer from them.