Farm loan waiver

From the desk of Mrs. Baby Abraham . . . . . .

Farm loan waiver

Loan waver is a great comfort for the farmers.

But still there  is  no bank balance. Still the purse is empty .

To provide some money for the next crop , will give some enthusiasm and hope and a little peace for their burdened mind . Give them fertilisers free for one year . Make provision for good seed free of charge for one year .Water for irrigation is so crucial without which the seeds cannot even sprout  and grow. Even providing tanker supply for one year so that for next year irrigation pipes can be laid  with sprinkler facilities. If they can get good profit for one year, they will start taking care of the farm needs themselves . At  the most one or two years support them, by that time they must save up and continue themselves . If some natural disaster comes then it is a different matter altogether .

Most important is the “ price determination “ . Unless they get satisfying , even profitable price, irrespective of whether the harvest is surplus or scanty, the truth is that nothing grow well without constant attention and nurture and great effort ,  If you dig out a large quantity of gold or diamond, will you sell it half the price or quarter the price. If the patient die after treatment or surgery, will the hospital waive off the fees .   If the cattle produce double the quantity of milk, has ever the price of milk come down . Why this discrimination in the case of only the farmers. When they are at a loss and cannot cultivate the next year, they take loan and then when they cannot pay back the loan, the government make loan waver scheme !!!  ( The reason is that

1.     they have lost everything, no bank balance

2.     They have to meet all the expenses with the   loan money, not only farm needs, but children’s fees, medical bills, provisions,  etc

3.     They have to repay not only the loan money but the heavy interest also .

4.     Their mind is in constant turmoil and they cannot do well with a burdened heart  ) .

Therefore why not pay good price so that the farmers can be proud of their work and earn legitimate money , not loan and loan waiver scheme. For giving the  loan , the government has money. Do not make them poor and then give loan or compensation . “ TIMING “ is very important . As doctors say , if the " stenting " is done before heart attack , there will not be any damage to the heart. But once the heart attack happens, some vessels, arteries and tissues and muscles will be damaged beyond repair. Once you avoid that by prior angioplasty or surgery, the person can retain  and continue as vibrant as before . Same with all other matters. Before permanent damage is done  , do the remedial measures , which we will be doing any way , whatever be the cost. Therefore why not do it before the farmers commit suicide and before their crops wither away, before the farm lqand crack due to scarcity of water .

Give them proper price or slightly more even , so that their life supporting endeavours are held  in high esteem. The caricature of the farmer has to be replaced by  high esteemed rich farmers and agriculturists .  Keep their dignity without any  “ smear of the smell of loan and loan waiver

 scheme ” . The government has plenty of money. Use it at the correct time not after the disaster only  . Lost dignity can never be regained however much money you give later on . It is just “ burial money “ after the farmers commit suicide due to their failed crop .

   Irrigation projects , small or big , are beyond the capability of the individual Indian farmers who hold small pieces of farmland .  Hence the government support is vital  and most crucial for them . Save their time from knocking at the door of the various offices , which are most of the time futile. Let them utilize that time for their farm consolidative programs . Prompt action by the agricultural, and water authorities can bring some solace for our farmers who are at wits end .

   In a nut shell, disburse the “ loan money “ or the “  loan waiver money “  or “ compensation money “ earlier enough  so that they can start their farming on time , on “ well prepared , watered fields with grade one seed with maximum production. Everything depends on the agricultural and the water authority. Together they can make our farmers  milliners and billionaires within 5 - 10 years. Once steady profit is ensured, no one will need further assistance. Government can support new farmers every year because the older once will be having good balance in the bank by that time .

Gradually the farmers can start “ processing units “ for their respective products which will make their profit much more valuable and attractive than the “ raw products “ . Thus “ excess “

will not be wasted .   “ Excess “ will not bring the price come down . Market will hold steady price  and constant mobility of raw as well as processed products .

Export will also increase and exchequer will be again full .

The government spend money.

Time factor determines the effectiveness  and maximum productivity  and utility .

                   ****************************************