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ch he was not slow to take advantage. The Banias have thus ousted numbers of improvident proprietors of the cultivating castes, and many of them have become large landlords. A considerable degree of protection has now been afforded to landowners and cultivators, and the process has been checked, but that it should have proceeded so far is regrettable; and the operation of the law has been responsible for a large amount of unintentional injustice to the cultivating castes and especially to proprietors of aboriginal descent, who on account of their extreme ignorance and improvidence most readily fall a prey to the moneylender. 25. The Bania as a landlord. As landlords the Banias were not at first a success. They did not care to spend money in improving their property, and ground their tenants to the utmost. Sir R. Craddock remarks of them: [134] "Great or small they are absolutely unfitted by their natural instincts to be landlords. Shrewdest of traders, most business-like in the matter of bargains, they are unable to take a broad view of the duties of landlord or to see that rack-renting will not pay in the long run." Still, under the influence of education, and the growth of moral feeling, as well as the desire to stand well with Government officers and to obtain recognition in the shape of some honour, many of the Marwari proprietors are developing into just and progressive landlords. But from the cultivator's point of view, residence on their estates, which are managed by agents in charge of a number of villages for an absent owner, cannot compare with the system of the small cultivating proprietor resident among tenants of his own caste, and bound to them by ties of sympathy and caste feeling, which produces, as described by Sir R. Craddock, the ideal village. 26. Commercial honesty. As a trader the Bania formerly had a high standard of commercial probity. Even though he might show little kindliness or honesty in dealing with the poorer class of borrowers, he was respected and absolutely reliable in regard to money. It was not unusual for people to place their money in a rich Bania's hands without interest, even paying him a small sum for safe-keeping. Bankruptcy was considered disgraceful, and was visited with social penalties little less severe than those enforced for breaches of caste rules. There was a firm belief that a merchant's condition in the next world depended on the discharge of al
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