Royal Commission on Labour in India: Report(1929)||
Although the preceding recommendations should be of considerable assistance, they will not by themselves deal any severe blow at the existing system, and something much more drastic is required. We would repeat that much of the present misery is due to the readiness of the money-lender to enter into contracts which he knows the debtor cannot fulfil, or at best can fulfil only by suffering severe and prolonged hardship. The law should set its face sternly against such contracts. So far from doing its best to secure their enforcement, it should make that enforcement impossible. The assistance of the law should be restricted to the recovery of such sums as the borrower can reasonably repay in a limited period of time. Probably there is no method which is entirely secure against evasion on the part of the lender or misuse on the part of the borrower. But we would repeat that these possibilities arc not in themselves a sufficient argument against the adoption of a law that will be generally beneficial, and it is certain that until some method can be applied, the State will fail to satisfy one of the pressing needs of labour. Of the scheme which appears to us to offer the greatest hope of successful working, little more than an outline is possible here. We recognise the intricacy of the subject, but if the will to apply the remedy is present, the legal and administrative difficulties can be surmounted.