INTEREST OF MONEY.

_Application of the Superflux of Property or Capital._

In this country the law allows no interest of money; the

consequence is, that the country is overwhelmed with usurers, who

exact, generally, an oath of secrecy, and lend money on pledges of

valuable and convertible merchandise: the interest paid on these

negociations is most exorbitant; I have known five, six, eight,

ten, and even twelve per cent, per month paid for the use of money!

There is no paper money in this country; but a bank might be

established at Mogodor, for the convenience of internal trade: the

_sine qua non_ of the bank should be, AN ADEQUATE CAPITAL. The

advantages that would necessarily result from an establishment of

this kind are incalculable; the paper of a bank, _thus

established_, would be current in a short time, UNDER JUDICIOUS AND

INTELLIGENT MANAGEMENT, in all the territories of Sudan, through

the heart of Africa, through Bambâra, Timbuctoo, Houssa, Cashna,

Wangara, Bernôh, Fas, and Marocco, and various other countries. The

238 immense advantages of the carriage of paper through the Desert and

through Sudan, _convertible_ into cash at every commercial city,

port, or district in a country like this, would greatly facilitate

the operations of commerce; this must be evident to every political

economist acquainted with the nature of commercial negociations in

Africa.

The superflux of coin, consisting principally of Mexico dollars,

and doubloons, (over and above the quantum necessary for the

circulating medium of commercial negociations,) is either buried

under ground by the owner, or converted into jewels for the ladies

of his family; there is a general propensity to these subterraneous

hordes; the bulk of the people, the lower classes in particular,

have an idea that they will enjoy in the next world what they save

in this; which opinion is not extraordinary, when we consider how

many cases there are, wherein we see the sublimest capacity

prostrate at the shrine of an _early imbibed_ superstition. Many of

these erring philosophers, therefore, attentive to the accumulation

of riches, retire from this sublunary world with an immense

immolated treasure, wherewith to begin, as they imagine, their

career in the world to come!

"We," they say, "convert our superflux to jewels and costly apparel

for our females, and we have the gratification of seeing them well

apparelled and agreeably ornamented. Moreover, a great part of our

possessions is appropriated to the sacred rites of hospitality,

239 which you Christians know not how to practise; for you worship the

idol of ostentation; you invite your friends to dinner; you incur

an intolerable and injudicious expense, and provide a multiplicity

of dishes to pamper their appetites, sufficient for a regiment of

muselmen; when nature and national beings, which men were born to

be, require only one dish. Moreover, your sumptuous entertainments

are given to those only who do not want; therefore is it an

ostentatious and a wanton waste! We, on the contrary, that is to

say, every good Muselman, gives one-tenth of his property to the

poor; and moreover much of his substance is appropriated to the

support, not of the rich and independent, who do not want it, but

to (_deefan_) strange guests who journey from one country to

another; insomuch that, with us, a poor man may travel by public

beneficence and apt hospitality from the shores of the

Mediterranean to the borders of Sahara, without a fluce[166] in

(_hashituh_) the corner of his garment.[167] A traveller, however

poor he may be, is never at a loss for a meal, several meals, and

even for three days entertainment, wherever he travels through our

country; and if any man were to go to a douar in any of the Arab

240 provinces of our Sovereign's empire, and not receive the

entertainment and courtesy of a brother, that douar would be

stamped with a stigma of indelible disgrace! Pardon us, therefore,

if we say, you have not such hospitality in your country, although

the great principle of (_Seedna Aisa_) our Lord Jesus, is

charity." [168] I should, however, observe that this hospitality is

shown almost exclusively to Muhamedans.

[Footnote 166: A fluce is a copper coin, one hundred of which

are equal to sixpence English.]

[Footnote 167: In the corner of his garment:--The Africans have

no pockets; they carry their money in the corner of their

garment, and tie it with a knot to secure it.]

[Footnote 168: The Muhamedans acknowledge Jesus Christ to have

been a Prophet that worked miracles; the indelible proof of his

mission.]

Respecting women and horses, speaking of the treatment of them in

England, they remark, that "England is a paradise for women, who

are there exalted beyond the fitness of things; and it is

(_gehennum_) a hell for horses, for those poor ill-treated animals

in the hackney coaches and carts, need only to be seen to be

pitied; the hard blows which they receive from their cruel masters

are calculated to impress our minds with an opinion that we are in

a land of barbarians, whereas you call yourselves a civilised

people: You say you are such; your actions deny the fact, and we

judge by actions, not by words or self-commendations. When,

therefore, you pride yourselves on your superiority and

civilisation the whole is a delusion; and when we hear you set

forth these absurd pretensions, we are compelled to commiserate our

common race, and to exclaim, Alas, poor human nature!" This is the

241 verbatim reply that a very intelligent but irritated Muselman made

to my animadversions on the absurdity of burying treasure. This

gentleman's father had been ambassador from the Emperor of Marocco

to Great Britain, and to France; and had seen much of French,

Spanish, and English manners, among the higher orders of society in

those countries.

Too much cannot be said in commendation of this generous,

open-hearted philanthropy of the Arabs, here described: but the

intelligent reader will understand, that it applies particularly to

the Arabs, or cultivators of the plains, in the empire of Marocco;

and, in its large and unlimited extent, to the Bedouin or roving

Arabs of the Sahara, and of Lower Suse, from whose (_kabyles_)

clans, the Arabs cultivators are early emigrations; almost all of

them having their original stock in the Sahara. It is also

confined, almost exclusively, to Muhamedans, and does not, like the

divine doctrine of Jesus Christ, with universal benevolence embrace

all mankind, without distinction of party, sect, or nation;--a

doctrine which has lately been put in considerable practice in our

own country, by institutions supported by voluntary subscriptions

for the destitute, for foreigners in distress, and for negroes; by

institutions in aid and support of all needy persons labouring

under sickness, or having need of surgical aid; by institutions for

the encouragement of industry, for the refutation of vice and

242 immorality; by institutions that reflect immortal honour on this

country, and cast a lustre on the respective individuals who have

contributed to all these heart-approving institutions, which are

calculated to afford relief to almost every description of

suffering humanity!!

Itinerant (_tebeebs_) doctors travel through the country to

administer to the sick; which, however, are seldom found. They

carry over their shoulders a leathern bag, containing their

surgical apparatus, which consists of a lancet, a scarifying knife,

and a caustic knife, or knife for burning: they scarify the neck,

the forehead, or the wrists. The caustic knife is an instrument of

very general application. They convert all gun-shot and other

wounds, as well as sores, into burns, by heating the knife in the

fire, and gently touching the circumference of the wound with it.

This produces acute pain; but the Africans bear pain heroically:

they say that this method prevents inflammation and festering. They

perform, by caustic, extraordinary cures. I imagine this method

would not agree with an European body, pampered with a variety of

high food and luxurious living.

The inhabitants of this country break their fast with (_el hassûa_)

barley-gruel; they grind the barley to the size of sparrow-shot,

this they mix with water, and simmer over a slow fire two or three

hours. This food is esteemed extremely wholesome, and is

243 antifebrile. The Emperor takes this before he drinks tea in a

morning: his father, Seedi Muhamed ben Abdallah, also, who drank

none but fine hyson tea, never would drink that beverage till he

had first laid a foundation of _el hassûa_.

The Arabs and Shelluhs, with whom _el hassûa_ is generally used,

urge its salubrity, by reporting that a physician alighted in a

strange country, and when he arose in the morning, after performing

his matins, he seated himself with some of the inhabitants, and,

conversing, asked them how they lived, and with what food they

broke their fast? "With _el hassûa_," was the reply: "Then,"

rejoined Esculapius, (_Salam û alikume_,) "Peace be with you; for

if you eat _el hassûa_ in the morning you have no need of a

doctor:" and he immediately departed.

When I established the port of Santa Cruz, and opened it to

European commerce, the gratitude and hospitality of the Arabs and

Shelluhs of the province of Suse, was demonstrated in every way: so

rejoiced were they to see their port, after an inactivity of thirty

years, again re-established. If I rode out to visit any part of the

country, the women, on my approach to a douar, would come out to a

great distance with bowls of milk on their heads; others with bowls

of honey, with thin scrapings of butter in them, and bread or

244 cakes[169], similar to pancakes, baked in five minutes, on stones

heated with the embers of charcoal. These greetings I received by

tasting every bowl of milk, and dipping a bit of bread in the honey

and eating it. The milk thus presented is emblematical of peace and

amity; the honey of welcome: to refuse eating or tasting what is

thus presented, is considered, among this patriarchal people, a

great breach of good manners, an inexcusable want of courtesy,

which they say none but a _kaffer_[170] would commit. They would

then say, _Birk eeaudee, birk attajar u straha_, "Alight, I pray

thee, alight, merchant! and rest yourself."

[Footnote 169: See a similar custom in Genesis, xxiii. 5--8.]

[Footnote 170: Kaffer is the Arabic term for Infidel. All the

idolatrous Negro nations are, by Muhamedans, denominated

Kaffer, (or Caffres). Sing. Kâffer--plural Kaffer.]

In these halcyon days, these grateful people never knew when to

cease offering presents. They sat on the ground in the refulgent

meridian sun, and when I dismounted to walk to the shade of a tree,

to partake of their hospitality, they would exhort me to shun the

shade, (_lie ê drab'k elbird_) for fear it should give me cold.

245 These Bedouin[171] Arabs of Suse and Sahara are the descendants of

the ancient Arabs, whose bold and figurative language is the same

that was spoken in Arabia twelve centuries ago, in the time of

Muhamed.

[Footnote 171: The Arabs of the vast plains of the empire of

Marocco, who live in douars, or encampments, are emigrations

from the original stock or clan in Sahara; who are the pure or

Bedouin Arabs. Being established in the beautiful and

productive plains of West and South Barbary, they soon forget

their Bedouin customs, change their wandering, plundering

habits, and become cultivators, and stationary; for the immense

produce of their labour in these plains, which require no dung,

nor any preparation but the plough, soon rewards their

industry, so as to determine them to continue this new mode of

life.]

Passing early one morning by a douar, in the territory of

Howara,[172] I was invited to join a party to hunt the wild boar.

The plains of Howara, between the city of Terodant and Santa Cruz,

abound with boars: we started, in a few hours, seven of these

animals, two of which were taken and killed. The dogs best

calculated for this sport are what they call _sereet telt_, or the

third race of greyhounds, which is a very strong dog. One of these,

I observed, attacked the boars by the nape of the neck, and never

left his hold till the other dogs came up to the attack: although

the boar would toss him about in all directions, he never left his

hold. The Arabs of Suse are very dextrous and active at this sport:

they hunt with javelins; some have guns, which they fire when

opportunity offers, but they never expend their powder and shot

(_batâl_) vainly, as they express it, but always make sure of their

246 mark. I could not but admire this celebrated (_slogie_) greyhound;

which the Arab to whom it belonged observing, insisted on my taking

it home to Santa Cruz, adding, that whenever I wished to hunt, to

let him know, and he would accompany me. I offered him a present of

money for the dog, which is what I never had refused before in the

provinces north of Suse; but he declined the offer, saying he was

more than recompensed already by the establishment of the port of

Santa Cruz. "Myself, my family, my kabyl," said he, "hail you as a

father; (_e moot alik_) they will die in your cause." No favour

could have equalled that of re-establishing the commerce of

Agadeer. These circumstances serve to show what reception might be

expected from these people, if the British Government would

negociate with the Emperor for the purchase of the port of Agadeer,

or Santa Cruz, preparatory to the establishment of a commerce with

Timbuctoo, and other regions of Sudan.

[Footnote 172: In the 815th year of the Hejira, an emigration

from the Howara Arabs attacked, took possession of, and

destroyed the city of Assouan, in Egypt.]

247

PLAN

FOR THE

GRADUAL CIVILISATION OF AFRICA.

_On the Commercial Intercourse with Africa, through the

Sahara and Ashantee._

To cultivate an extensive commercial intercourse with Africa, I

have already observed, that the best method, the simplest, and that

which is, from contingent circumstances, the most likely to

succeed, is the plan which I have pointed out in the following

prospectus. I shall now offer several reasons why this plan is

superior to any other hitherto suggested.

The riches of the Arabs of Sahara generally, as well as of that

part which I have contemplated as a convenient spot for

establishing a colony, and for opening a communication with Sudan,

consists exclusively in camels. The independence of a man is there

ascertained by the number of camels he possesses; it is not said,

how many thousand dollars has he? or, what quantity of gold does he

possess? or, what land has he? but, how many camels does he own?

The master of these, aptly denominated, ships of the Desert, is

248 urged by interest to let on hire his camels, as the master of a

ship of the ocean is urged by interest to seek freight for his

ship. And it is observed, that the ferocious appearance among the

Arabs, (which is too often assumed,) subsides in proportion to the

intercourse they have with merchants, who negociate with them for

the transport of their goods. Thus, at the _depôts_ for camels

between the cultivated country and the Desert, viz. at _Akka,

Tatta, Ufran,_ and _Wedinoon_, the ferocity of the Arabs is greatly

lost in the commercial spirit and endeavour to let their camels on

hire to the merchants. The Mograffra, the Woled Abbusebah, and the

Tejakant Arabs, therefore, who possess the Sahara, from the shores

of the Atlantic to the confines of Timbuctoo, would act in concert

with the colony, and would have a joint interest in promoting their

commercial views. The Brabeesh Arabs who receive, occasionally,

tribute from Timbuctoo, would also find it expedient to promote the

commerce of Sudan, and the prosperity of Timbuctoo; both which

would necessarily be united to their own interest, and would

provide a demand for their camels.

If the profits of this commerce, when once established and secured

to the British, were to be cent. per cent., the whole would remain

a bonus to the colony. There would be no shereef of Fezzan, or

bashaw of Tripoli, to take their share of the profits, in any

shape, in exchange for the privilege of being suffered to pass

249 through their country. But, on the contrary, the Arabs of the

Mograffra and other tribes would find it so evidently their

interest and advantage to be friendly with us, that we might

absolutely have the entire command of the Desert, from the shores

of the Atlantic to the city of Timbuctoo, which would eventually

throw such a weight of power into our hands, as to make even that

city itself, in a manner, tributary to us.

A plan of this kind should be executed _upon a grand national

scale_, and be pursued with discretion and perseverance.

An attempt to penetrate to Timbuctoo, through Ashantee, and

establish a commerce through that country, might meet with

temporary success; but I apprehend that we should labour under the

same inconveniences, and be subject to the same arbitrary imposts

and exactions, whether in the shape of duties, part of the profits,

or otherwise, as we should, by opening a communication through

Tripoli. There would be a present or douceur to the king of

Ashantee; others to the princes of the adjoining territories; and,

finally, (taking the character of this king to be as represented by

the late traveller in that country, Mr. Bowdich), might we not

reasonably anticipate that, on the first dispute respecting the

division of the profits, the king of Ashantee would order all the

English out of his country, and, to terminate the dispute, plunder

them of their property? But, perhaps the establishment of a colony

in Ashantee, _conjoined_ to one in Sahara, might not be

250 objectionable. We should then have two routs to the grand emporium

of central Africa: if one failed, the other would remain open for

our countrymen to recover their property and to return by; and

thus, in establishing a commercial intercourse with the interior of

Africa, through two routes, we should secure, at the same time, our

retreat, by one of them, and not remain at the mercy of the

barbarous king of Ashantee, or any other African potentate, who

might be urged, from jealousy or avarice, to sacrifice our people,

when once he had them in his power!

251

PROSPECTUS OF A PLAN

FOR FORMING A

NORTH AFRICAN OR SUDAN COMPANY,

To be instituted for the purpose of establishing an extensive

Commerce with, and laying open to British Enterprise, all the

Interior Regions of North Africa.

* * * * *

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