Articles Value in peso

Fifty carabaos, at 50 pesos each 2,500

Thirty hogs, at 8 pesos each 240

Eight full granaries, with 250 1-peso cargoes 2,000

Eight earrings, at 75 pesos each 600

Coin from sale of palay, hogs, etc.

1,000

Total 6,340

The above figures are estimates; it is impossible to make them exact, but they were obtained with much care and are believed to be sufficiently accurate to be of value.

Personal property of group

All household implements and utensils and all money, food stuffs, chickens, dogs, hogs, and carabaos acc.u.mulated by a married couple are the joint property of the two.

Such personal property as hogs and carabaos are frequently owned by individuals of different families. It is common for three or four persons to buy a carabao, and even ten have become joint owners of one animal through purchase. Through inheritance two or more people become joint owners of single carabao, and of small herds which they prefer to own in common, pending such an increase that the herd may be divided equally without slaughtering an animal. Until recent years two, three, and even four or five men jointly owned one battle-ax.

As the Igorot acquires more money, or, as the articles desired become relatively cheaper, personal property of the group (outside the family group) is giving way to personal property of the individual. The extinction of this kind of property is logical and is approaching.

Real property of individual

The individual owns dwelling houses, granaries, camote lands about the dwellings and in the mountains, millet and maize lands. in the mountains, irrigated rice lands, and mountain lands with forests. In fact, the individual may own all forms of real property known to the people.

It is largely by the possession or nonpossession of real property that a man is considered rich or poor. This fact is due to the more apparent and tangible form of real than personal property. The ten richest people in Bontoc, nine men and a woman, own, it is said, in round numbers one hundred s.e.m.e.nteras each. The average value of a s.e.m.e.ntera is 10 pesos for every cargo of palay it produces annually. A s.e.m.e.ntera producing 10 cargoes is rated a very good one, and yet there are those yielding 20, 25, 30, and even 40 cargoes.

It is practically impossible to get the truth concerning the value of the personal or real property of the Igorot in Bontoc, because they are not yet sure the American will not presently tax them unjustly, as they say the Spaniard did. But the following figures are believed to be true in every particular. Mang-i-lot', an old man whose ten children are all dead, and who says his property is no longer of value because he has no children with whom to leave it, is believed to have spoken truthfully when he said he has the following s.e.m.e.nteras in the five following geographic areas surrounding the pueblo:

Geographic area Number of s.e.m.e.nteras Number of cargoes produced

Magkang 6 15

Kogchog 3 5

Felas 1 8

Toyub 1 5

Samuiyu 2 10

Total 13 43

These s.e.m.e.nteras produce the low average of 3 1/3 cargoes. The average value of Mang-i-lot's' s.e.m.e.nteras, then, is 33 1/3 pesos -- which is thought to be a conservative estimate of the value of the Bontoc s.e.m.e.ntera. Mang-i-lot' is rated among the lesser rich men. He is relatively, as the American says, "well-to-do." However, when a man possesses twenty s.e.m.e.nteras he is considered rich.

The richest man in Bontoc, with one hundred s.e.m.e.nteras, has in them, say, 3,330 pesos worth of real property in addition to his 6,340 pesos of personal property.

It is claimed that each household owns its dwelling and at least two s.e.m.e.nteras and one granary, though a man with no more property than this is a poor man and some one in his family must work much of the time for wages, because two average s.e.m.e.nteras will not furnish all the rice needed by a family for food.

A dwelling house is valued at about 60 pesos, which is less than it usually costs to build, and a granary is valued at about 10 or 15 pesos. It is constructed with great care, is valueless unless rodent proof, and costs much more than its avowed valuation.

t.i.tle to all buildings, building lands in the pueblo, and irrigated rice lands is recognized for at least two generations, though unoccupied during that time. They say the right to such unoccupied property would be recognized perpetually if there were heirs. At least it is true that there are now acres of unused lands, once palay s.e.m.e.nteras, which have not been cultivated for two generations because water can not be run to them, and the property right of the grandsons of the men who last cultivated them is recognized. However, if one leaves vacant any unirrigated agricultural mountain lands -- used for millet, maize, or beans -- another person may claim and plant them in one year's time, and no one disputes his t.i.tle.

Real property of group

All real property acc.u.mulated by a man and woman in marriage is their joint property as long as both live and remain in union.

No form of real property, except forests, can be the joint property of other individuals than man and wife. Forests are most commonly the property of a considerable group of people -- the descendants of a single ancestral owner. The lands as well as the trees are owned, and the sale of trees carries no right to the land on which they grow. It is impossible even to estimate the value of any one's forest property, but it is true that persons are recognized as rich or poor in forests.

Public property

Public lands and forests extend in an irregular strip around most pueblos. There is no public forest, or even public lands, between Bontoc and Samoki, but Bontoc has access to the forests lying beyond her sister pueblo. Neither is there public forest, or any forest, between Bontoc and Tukukan, and Bontoc and t.i.tipan, though there are public lands. In all other directions from Bontoc public forests surround the outlying private forests. They are usually from three to six hours distant. From them any man gathers what he pleases, but until the American came to Bontoc the Igorot seldom went that far for wood or lumber, as it was unsafe. Now, however, the individual will doubtless claim these lands, unless hindered by the Government. In this manner real property was first acc.u.mulated -- a man claimed public lands and forests which he cared for and dared to appropriate and use. There have been few irrigated s.e.m.e.nteras built on new water supplies in two generations by people of Bontoc pueblo. The "era of public lands" for Bontoc has practically pa.s.sed; there is no more undiscovered water. However, three new s.e.m.e.nteras were built this year on an island in the river near the pueblo, and are now (May, 1903) full of splendid palay, but they can not be considered permanent property, as an excessively rainy season will make them unfit for cultivation.

Sale of property

Personal property commonly pa.s.ses by transfer for value received from one party to another. Such a thing as transfer of real property from one Igorot to another for legal currency is unknown; the transfer is by barter. The transfer of personal property was considered in the preceding section on commerce.

Real property is seldom transferred for value received except at the death of the owner or a member of the family; at such times it is common, and occurs from the necessity of quant.i.ties of food for the burial feasts and the urgent need of blankets and other clothing for the interment.

Again, camote lands about the dwellings are disposed of to those who may want to build a dwelling. Dwellings are also disposed of if the original occupant is to vacate and some other person desires to possess the buildings.

Death may destroy one's personal property, such as hogs and carabaos, but almost never does an Igorot "lose his property," if it is real. Only a protracted family sickness or a series of deaths requiring the killing of great numbers of chickens, hogs, and carabaos, and the purchase of many things necessary for interment can lose to a person real property of any considerable value.

There is no formality to a "sale" of property, nor are witnesses employed. It is common knowledge within the ato when a sale is on, and the old men shortly know of and talk about the transaction -- thenceforth it is on record and will stand.

Rent, loan, and lease of property

Until recent years, long after the Spaniards came, it was customary to loan money and other forms of personal property without interest or other charge. This generous custom still prevails among most of the people, but some rich men now charge an interest on money loaned for one or more years. Actual cases show the rate to be about 6 or 7 per cent. The custom of loaning for interest was gained from contact with the Lepanto Igorot, who received it from the Ilokano.

It is claimed that dwellings and granaries are never rented.

Irrigated rice lands are commonly leased. Such method of cultivation is resorted to by the rich who have more s.e.m.e.nteras than they can superintend. The lessee receives one-half of the palay harvested, and his share is delivered to him. The lessor furnishes all seed, fertilizers, and labor. He delivers the lessee's share of the harvest and retains the other half himself, together with the entire camote crop -- which is invariably grown immediately after the palay harvest.

Unirrigated mountain camote lands are rented outright; the rent is usually paid in pigs. A s.e.m.e.ntera that produces a yield of 10 cargoes of camotes, valued at about six pesos, is worth a 2-peso pig as annual rental. In larger s.e.m.e.nteras a proportional rental is charged -- a rental of about 33 1/3 per cent. All rents are paid after the crops are harvested.