If the African woman is a prudent banker, the man is the money maker. The range of remuneration they receive for their labour is no less divergent than one finds in Europe. The Sierra Leone native will obligingly row you ashore to Freetown in fifteen minutes “for two bob, Sah”; but his brother paddler on the Chiloango, or the Congo, will paddle for you throughout a week for 5d. a day, coupled with a plump bat or the leg of a monkey by way of rations.

There is one form of money making which is fastening its fell grip ever more firmly upon the middle-class African—money lending. It is extremely difficult to deal with this question in West Africa by legislation, but a good deal can be accomplished in various directions by a watchful administration. One case brought to my notice was that of a cook who was compelled to pay £2 10s. interest on a loan of £4 for six months. Another one was that of a teacher who required a loan of £6, for which he had to pay 12s. per month interest. I was also assured that frequently 10s. a month interest is exacted for small loans of £1. In some parts of the Gold Coast borrowers find themselves in such straits that they are often compelled to pawn their children.

The wages of agricultural labourers vary very considerably. In Southern Nigeria labourers working for native employers receive from 15s. to 20s. per month. The contracted labourers on the islands of the Gulf of Guinea—that is Fernando Po, San Thomé and Principe—are all “contracted” at paper wages, varying from 10s. to 15s. per month, but neither under the Spanish or Portuguese Administrations do they receive more than half their pay when it is due, the other half being placed in the hands of the Curador. In German Cameroons the wage is seldom more than 10s. a month, and more often the labourers only receive 8s. In the hinterland of Belgian and French Congo, the unskilled labourer receives from 6s. to 8s. per month. All these wages are exclusive of board and lodging, but generally a certain amount of clothing is supplied freely. In many parts of the various colonies, however, stores are opened by the plantation owners to tempt the labourer into purchasing goods which usually carry a respectable profit.

The hardest work and the poorest pay falls to the carrier; that patient burden bearer rarely gets, in any part of Africa, more than about 9d. per day for his heavy task. The Upper Congo was thrown open to the advance forces of civilization by a continuous stream of carriers, who occupied from a fortnight to three weeks reaching Stanley Pool from Matadi, a journey for which they seldom received more than a sovereign a load. “Big money,” however, is earned by the cocoa carriers of the Gold Coast, but the conditions are entirely abnormal. The cocoa carrying enterprise as at present organized cannot be other than a temporary expedient and the general army of African carriers will have to be content with a wage varying from 4s. 6d. to 7s. a week.

The African is by nature a trader, and no more honest than many Europeans in his business transactions, and on the whole I am afraid less honest than the reputable business houses of West Africa. It is only fair to say that the native merchants trained under the rigid standard of European firms—particularly the Basel Mission of the Gold Coast—maintain a standard of honest trading which does credit to the firms under which they received their commercial education.

The ambition of most young men on the Upper Congo is focussed upon wives. Without earthly possessions, their only hope of matrimonial bliss is in the death of a relative from whom they may “inherit” a partner, if there is a disparity in age an “exchange” is always possible, subject, of, course, to an additional dowry. But this chance is remote and the waiting time is always long, tedious, and full of social complications. One day a young man in the Congo endowed with more than the usual share of courage and trading instinct, hit upon a plan which has for years found increasing favour. The captains of steamers could only with difficulty work their boats up and down that 2000 miles of waterway between Stanley Pool and the great tributaries of the Upper Congo, for lack of wood fuel from the forests. Here, then, was the chance for the enterprising native. He bargained with the white man upon the following basis. To travel with him to Stanley Pool and back again, a journey occupying four weeks, to cut a square yard of wood every night on the journey, and to be allowed to sleep during the day. The wages for this enterprise to be ten francs payable at Stanley Pool, and the free transport back again of one bag of salt and one box of sundries. This suggestion, sound in its common-sense, giving the white man fuel without trouble, was promptly agreed upon, and with ten others on the same terms the contract was confirmed. The white man went to his bunk that night, happy in the thought that for one journey at least he would be saved the eternal “wooding palaver.” The native youths, too, went to sleep, and possibly dreamed of the wedded bliss which was now so unexpectedly within sight.

Four weeks later the “Stern Wheeler” returned and put the respective wood cutters ashore at their different villages, each with a bag of salt and a few sundries purchased at Stanley Pool with the 10 francs. The eyes of certain comely young African women shone brightly that night as they heard of the brilliant enterprise of their prospective mates. A few days later two or three parties in small canoes pushed away from the banks and started on a ten days’ journey up one of the small tributaries which abound everywhere on the Upper Congo. In each canoe were precious bags of salt and a tiny spoon for retailing the “white powder” to distant tribes. A fortnight later family palavers were held and a sufficient dowry laid at the feet of the damsel’s father. The nightly wood-chopping enterprise had produced 10 francs which had in turn obtained a bag of salt, a hundred common safety pins and a cheap mirror. The salt and pins had disappeared and there lay on the ground in their place the coveted dowry of £2 sterling in native money for the father, and a mirror for the mother of the native bride who now gladly joined her husband for better or for worse. There is your African trading instinct!

Since that day many a young man has followed that example, but with competition dowries have risen and the value of European produce fallen. Nevertheless, to-day, many a native on the Congo waterways is cutting firewood to and from the ports in the hope of raising the wherewithal to obtain his heart’s desire.

It is said of the Indian coolie that anywhere he will make two blades grow to the one blade the white man can produce. In this respect the African follows hard on the heels of his Indian rival. The white man will often select what seems a most promising piece of land, but for some reason his crops fail. The native will choose a little out-of-the-way patch and cultivate it in a style which calls forth a pitying, almost contemptuous smile from the white, but somehow that native has struck fertility and his crops flourish amazingly.

In Southern Nigeria I met several successful native farmers, who seem in some respects to outdo their friends in the neighbouring colony of the Gold Coast. One of these had some years ago bought 200 acres of land at 4s. per acre, and soon it was discovered that he had obtained a very fertile patch and he was offered no less than £5 an acre and his crops at valuation, but Mr. X. has a keen business head upon his shoulders and finds it more profitable to cultivate cocoa, palm nuts and rubber than to sell his land even at an enhanced price. Every time he makes a few pounds he extends his plantation, “pulls down his barns and builds greater.” This man has now a turnover of nearly £20,000 a year.

There are scattered all down the coast in British colonies native traders pressing on to positions of dominating influence. These men can handle cargoes of four figures and pay at an hour’s notice. They receive regular cable information of the prices of different commodities on the European market, and several of them have branches which connect by telephone. Most of them conduct their business on modern principles with typists, cashiers, messenger boys and so forth. Not a few of them are frequently in a financial position to strike a bargain and settle a transaction before the European firm can get a cable reply from the home directors. They are up-to-date traders in being able to supply anything which may be demanded of them, or if not in stock they will promise it—and keep the promise—on a given day. If an order is specially urgent and has to come from Europe, a messenger will meet the ship, take off the package and deliver it to the client within an hour or two of the ship’s arrival. One of the most interesting transactions I know of occurred in a certain British colony. A chief, for some reason, was in great need of a large elephant’s tusk, and after fruitless endeavours to obtain one, a native trader relieved the old man’s anxiety by offering to deliver a tusk the required size, to cost about £80, within a month. Promptly to time the tusk was delivered—the cute trader had cabled to Europe for it! “Holts,” “Millers,” and other all-wise competitors in that town knew how imperative it was that this old chief should have a big tusk, and I was told they tried their “up country” stores, but it never occurred to them to order from Europe. There again is the African trading instinct, which put a clear £10 note in the trader’s pocket!

The legal profession is beyond question the most lucrative in West Africa, but this does not obtain in Africa alone. The mass of the people have not yet learned to settle their troubles without the aid of the legal community. The fees paid to the coast barristers are surprising. I was informed that in one colony more than one native barrister has an income of close on five figures. I had no reliable evidence upon this and should think it an exaggeration, but the style in which the coast barrister lives and moves must certainly require a substantial income. Certain it is too that none are more generous with their money.

Unlike the medical profession, no colour-bar stands between the barrister and the free exercise of his ability. Surely the position of these medical men calls loudly for redress, the profession which, above all others, is needed in the fever-haunted colonies of Africa, yet between the increase of these men and the countless sufferers there is firmly fixed the detestable colour-bar of prejudice.

Though the native has not yet become convinced of the safety of banking, the sums placed by them on deposit in the three British colonies—Sierra Leone, the Gold Coast and Nigeria, are nearly £80,000.

When we reflect upon these natives rising to positions of greater power and influence in British colonies, and when we are prone to criticize British administrations, it will not hurt any of us, either native or European, to remember that less than a century ago these centres were amongst the principal slave markets of the world.