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The cultivators rarely get fair treatment from the Banias, as the odds are too much against them. They must have money to sow their land, and live while the crops are growing, and the majority who have no capital are at the moneylender's mercy. He is of a different caste, and often of a different country, and has no fellow-feeling towards them, and therefore considers the transaction merely from the business point of view of getting as much profit as possible. The debtors are illiterate, often not even understanding the meaning of figures, or the result of paying compound interest at twenty-five or fifty per cent; they can neither keep accounts themselves nor check their creditor's. Hence they are entirely in his hands, and in the end their villages or land, if saleable, pass to him, and they decline from landlord to tenant, or from tenant to labourer. They have found vent for their feelings in some of the bitterest sayings ever current: 'A man who has a Bania for a friend has no need of an enemy.' 'Borrow from a Bania and you are as good as ruined.' 'The rogue cheats strangers and the Bania cheats his friends.' 'Kick a Bania even if he is dead.' "His heart, we are told, is no bigger than a coriander seed; he goes in like a needle and comes out like a sword; as a neighbour he is as bad as a boil in the armpit. If a Bania is on the other side of a river you should leave your bundle on this side for fear he should steal it. If a Bania is drowning you should not give him your hand; he is sure to have some pecuniary motive for drifting down-stream. A Bania will start an auction in a desert. If a Bania's son tumbles down he is sure to pick up something. He uses light weights and swears that the scales tip up of themselves; he keeps his accounts in a character that no one but God can read; if you borrow from him your debt mounts up like a refuse-heap or gallops like a horse; if he talks to a customer he debits the conversation in his accounts; and when his own credit is shaky he writes up his transactions on the wall so that they can easily be rubbed out." [131] 20. His virtues. Nevertheless there is a good deal to be said on the other side, and the Bania's faults are probably to a large extent produced by his environment, like other people's. One of the Bania's virtues is that he will lend on security which neither the Government nor the banks would look at, or on none at all. Then he will always wait a long ti
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