Royal Commission on Labour in India: Report(1929)||
The changes proposed in the law will not by themselves bring about the big change that is desired. The great majority of debts never come within the cognisance of a court and the workman's knowledge of his legal rights and capacity to invoke them are both limited. But if the law is substantially altered in the direction of the protection of the debtor, all the other forces working to protect him will be greatly strengthened. We have noted with appreciation the efforts made by social workers, co-operators, labour leaders, employers and others to save workmen from heavy debts, but the scales are at present so heavily weighted in favour of the money-lender as to make these efforts unduly difficult and largely ineffective. Our recommendations are designed partly to place powerful weapons in the hands of all who are prepared to assist the workman, and we hope that they will lead to much greater activity in the matter of debt prevention and debt redemption on the part of trade unions, employers, and individuals as well as associations working for social betterment. Trade unions, in particular, will have an opportunity of constructive work of a striking kind, and should be able, by asserting the worker's rights as against his creditor, to demonstrate their value to many more workers, while social workers, by the formation of debt redemption societies or otherwise, should be able to make a larger contribution to the economic welfare of labour. It is certain that a successful effort to deal with this grave evil will bring great benefit to workers and employers alike, and that it will not hurt those money-lenders whose activities are confined to business of a useful kind.